Sterling
Sterling, CO · Charter 2840 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$246.9MAssets
$90.6MLoans
$203.0MShares
$42.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 92% of credit unions under $1B in assets (rank 136 of 1682).
- Widest gap: net interest margin trails 87% of credit unions under $1B in assets (rank 1470 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.40%
Rank 292 of 1,683
Net Interest Margin
2.97%
Rank 1,470 of 1,683
Efficiency Ratio
59.41%
Rank 180 of 1,682
Equity / Assets
17.07%
Rank 384 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | 0.35% | 0.74% | 1.18% | Beats 83% | 292 / 1,683 | |
| Return on Equity | 8.18% | 2.67% | 5.89% | 8.74% | Beats 71% | 492 / 1,681 | |
| Net Interest Margin | 2.97% | 3.31% | 3.82% | 4.32% | Beats 13% | 1,470 / 1,683 | |
| Efficiency Ratio | 59.41% | 68.91% | 78.20% | 86.93% | Beats 89% | 180 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 92% | 136 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.07% | 10.44% | 12.89% | 16.53% | Beats 77% | 384 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.07% | 10.44% | 12.89% | 16.53% | Beats 77% | 384 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 44.61% | 52.61% | 69.38% | 83.50% | 16th pctl | 1,412 / 1,683 | |
| Loans / Assets | 36.69% | 44.71% | 59.18% | 70.72% | 15th pctl | 1,430 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |