Sierra Pacific vs Financial Horizons
Comparing a Credit Union in Reno, NV with a Credit Union in Hawthorne, NV using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Sierra Pacific ↗ Credit Union · Reno, NV · Est. 1936 | Financial Horizons ↗ Credit Union · Hawthorne, NV · Est. 1947 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Reno, NV | Hawthorne, NV |
| Total assets | $187.8M | $314.1M |
| Net worth ratio | 13.5% | 12.6% |
| Return on assets | 1.1% | 1.6% |
| Shares & deposits | — | — |
| Members | 10,886 | 14,443 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 13 | #5 of 13 |
| Established | 1936 | 1947 |
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
Financial Horizons
- Assets: $314.1M
- Members: 14,443
- Capital ratio: 12.6%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #5 of 13
Are both institutions federally insured?
Yes. Sierra Pacific is NCUA-insured and Financial Horizons 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, Sierra Pacific or Financial Horizons?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Sierra Pacific 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 Sierra Pacific safe?
Yes — Sierra Pacific is NCUA-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 Financial Horizons safe?
Yes — Financial Horizons 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 Sierra Pacific vs Financial Horizons?
Sierra Pacific has a net worth ratio of 13.5%, placing it in the top 24% of $100M–1B peers. Financial Horizons's ratio is 12.6%, placing it in the top 32% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Sierra Pacific have compared to Financial Horizons?
The CFPB database shows 0 complaints against Sierra Pacific, and 0 complaints against Financial Horizons. 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 Sierra Pacific with other Credit Unions in Nevada
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
