Credit union · NCUA insured
Sierra Central Credit Union
A $1.5B credit union, the 328th largest of 4,329, headquartered in Yuba City, CA, with 87,009 members and 18 branches in California. Best rates: savings 0.70% APY.
Sierra Central Credit Union Carrot Score
78
Carrot Score
Higher than 47% of U.S. banks and credit unions
#4 of 10 in Chico, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sierra Central Credit Union
Founded in 1955, Sierra Central Credit Union is a member-owned financial cooperative headquartered in Yuba City, California.
Serving Northern California, Sierra Central Credit Union announced plans to merge with Sacramento-based First U.S. Community Credit Union.
- Headquarters
- 1351 Harter Pkwy, Yuba City, CA 95993-2604
- NCUA charter
- 68053
Branches
18 branches in California
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California
18 branches
Yuba City area · 4
- Yuba City BranchMain office1351 Harter Pkwy, Yuba City, CA 95993Directions
- Marysville Branch422 4th St, Marysville, CA 95901Directions
- Wheatland503 McDevitt Dr, Wheatland, CA 95692Directions
- South Yuba City Branch520 Bogue Rd Ste 1, Yuba City, CA 95991Directions
Chico area · 4
- Chico Branch352 E 1st St, Chico, CA 95928Directions
- Chico East Branch1384 East Ave, Chico, CA 95926Directions
- Oroville Branch1036 Oro Dam Blvd E, Oroville, CA 95965Directions
- Paradise Branch5175 Skyway, Paradise, CA 95969Directions
Redding area · 3
- Anderson Branch5026 Rhonda Rd, Anderson, CA 96007Directions
- Redding Branch2867 Bechelli Ln, Redding, CA 96002Directions
- Redding West Branch1255 Yuba St, Redding, CA 96001Directions
Sacramento area · 3
- Auburn Branch2558A Bell Rd, Auburn, CA 95603Directions
- Placerville North Branch225 Placerville Dr, Placerville, CA 95667Directions
- Roseville Branch306 N Sunrise Ave, Roseville, CA 95661Directions
Truckee area · 1
- Grass Valley Branch1000 Plaza Dr, Grass Valley, CA 95945Directions
Red Bluff area · 1
- Red Bluff Branch501 Adobe Rd, Red Bluff, CA 96080Directions
Susanville area · 1
- Susanville Branch3005 Riverside Dr, Susanville, CA 96130Directions
Willows area · 1
- Willows1030 W Wood St, Willows, CA 95988Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.00% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.55% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.71% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $75 | $88 | — |
- CapitalNet worth ratio10.00%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.55%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.71%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$75Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Sierra Central Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.