Credit One Bank, National Association vs Sierra Pacific
Comparing a Bank in Las Vegas, NV with a Credit Union in Reno, NV using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Credit One Bank, National Association ↗ Bank · Las Vegas, NV · Est. 1984 | Sierra Pacific ↗ Credit Union · Reno, NV · Est. 1936 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Las Vegas, NV | Reno, NV |
| Total assets | $2.2B | $187.8M |
| Capital ratio | 28.7% | 13.5% |
| Return on assets | 28.3% | 1.1% |
| Deposits | $1.2B | — |
| Branches | 1 | 10,886 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 15 | #1 of 13 |
| Established | 1984 | 1936 |
Credit One Bank, National Association
- Assets: $2.2B
- Deposits: $1.2B
- Capital ratio: 28.7%
- Return on assets: 28.3%
- CFPB complaints: 0
- State rank: #2 of 15
Sierra Pacific
- Assets: $187.8M
- Members: 10,886
- Capital ratio: 13.5%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #1 of 13
Are both institutions federally insured?
Yes. Credit One Bank, National Association is FDIC-insured and Sierra Pacific is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Credit One Bank, National Association or Sierra Pacific?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Credit One Bank, National Association scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Credit One Bank, National Association safe?
Yes — Credit One Bank, National Association is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Sierra Pacific safe?
Yes — Sierra Pacific is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Credit One Bank, National Association vs Sierra Pacific?
Credit One Bank, National Association has a capital ratio of 28.7%, placing it in the top 1% of $1B–10B peers. Sierra Pacific's ratio is 13.5%, placing it in the top 24% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Credit One Bank, National Association have compared to Sierra Pacific?
The CFPB database shows 0 complaints against Credit One Bank, National Association, and 0 complaints against Sierra Pacific. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Credit One Bank, National Association with other Banks in Nevada
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
