BlastPoint's Credit Union Scorecard
SIERRA CENTRAL
Charter #68053 · CA
SIERRA CENTRAL has 2 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 89.8% in tier
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 44.1% in tier
- - Shrinking Wallet Share: Bottom 48.7% in tier
- - ROA 0.22% below tier average
- - Indirect Auto Concentration (%): Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
86,220
+3.3% YoY+0.5% QoQ
|
-11.2K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$1.5B
+1.8% YoY-1.0% QoQ
|
$-242.6M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$1.0B
-1.7% YoY-1.2% QoQ
|
$-220.2M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$1.3B
+1.4% YoY-1.3% QoQ
|
$-135.4M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
0.5%
+358.4% YoY+12.7% QoQ
|
-0.2% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
3.4%
+21.5% YoY+1.2% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
69.4%
-10.6% YoY-1.1% QoQ
|
-4.7% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.6%
-13.3% YoY+54.5% QoQ
|
-0.3 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
76.6%
-3.1% YoY+0.1% QoQ
|
-8.2% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$27,118
-3.1% YoY-1.8% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration |
30.8%
+2.0% YoY-0.6% QoQ
|
+1.7% | 29.0% | 21.7% | 19.8% | 59% |
| Indirect Auto % |
48.1%
-4.8% YoY-2.5% QoQ
|
+29.8% | 18.3% | 9.2% | 7.8% | Top 5.6% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)