Sterling United
Evansville, IN · Charter 11273 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$101.6MAssets
$67.8MLoans
$90.5MShares
$10.7MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 49% of credit unions under $1B in assets (rank 851 of 1682).
- Widest gap: equity / assets trails 74% of credit unions under $1B in assets (rank 1252 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.46%
Rank 1,176 of 1,683
Net Interest Margin
3.49%
Rank 1,129 of 1,683
Efficiency Ratio
78.35%
Rank 851 of 1,682
Equity / Assets
10.50%
Rank 1,252 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.46% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,176 / 1,683 | |
| Return on Equity | 4.38% | 2.67% | 5.89% | 8.74% | Beats 38% | 1,037 / 1,681 | |
| Net Interest Margin | 3.49% | 3.31% | 3.82% | 4.32% | Beats 33% | 1,129 / 1,683 | |
| Efficiency Ratio | 78.35% | 68.91% | 78.20% | 86.93% | Beats 49% | 851 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.26% | 0.65% | 1.29% | Beats 41% | 998 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.50% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,252 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.50% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,252 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 74.93% | 52.61% | 69.38% | 83.50% | 60th pctl | 676 / 1,683 | |
| Loans / Assets | 66.73% | 44.71% | 59.18% | 70.72% | 66th pctl | 574 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |