Federal credit union · STERLING, Colorado · NCUA charter #2840
STERLING
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $237.9M
- Total assets
- 10,272
- Members
- 16.7%
- Net-worth ratio
STERLING scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $237.9M; members 10,272; net-worth ratio 16.71%; health rank #740 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#740 of 4,374 health · 2025Q4STERLING · health 92/100 · $237.9M · 2025Q4
Call Report peers
STERLING in the assets neighbourhood
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STERLING vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); STERLING sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where STERLING diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 16.71% vs peer 12.11% (+4.60 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -29.06 pp (43.14% vs 72.20%).
Colorado standing for STERLING
- Colorado health ordinal: #11 of 66.
- By total assets, STERLING is #18 of 66 in Colorado.
- Membership ranks #25 of 66 among Colorado CUs with a reported count (10,272 members).
- One place up in Colorado, AFFIDIAN (#10) ties at 92/100; one place down, Pikes Peak (#12) ties at 92/100.
STERLING: 2025Q4 → 2026Q1
STERLING: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $237.9M (2025Q4) to $246.9M (2026Q1).
- Net-worth ratio shifted -0.20 pp (16.91% → 16.71%).
This credit union's 16.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
STERLING gives up 8 points in total. Loan-to-Share Ratio costs the most, 5.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.8 pts
- Loan-to-Share Ratio 10.2 pts
STERLING vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.71% | +4.60 pp |
| Delinquency Rate | 0.18% | -0.72 pp |
| Return on Assets | 1.03% | +0.41 pp |
| Member Growth | 2.34% | - |
| Loan-to-Share Ratio | 43.14% | -29.06 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
STERLING quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $246.9M | - |
| 2025Q4 | $237.9M | 10,272 |
| 2024Q4 | $228.4M | 10,037 |
| 2023Q4 | $218.7M | 9,884 |
Credit Union Details
- Charter Number
- 2840
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- STERLING
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for STERLING, spread across 3 cities.
| Office | City |
|---|---|
| Sterling Federal Credit Union (Main Office) | Sterling, CO |
| Fort Morgan Branch | Fort Morgan, CO |
| Haxtun Branch | Haxtun, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
More federally-insured credit unions based in Colorado, ordered by peer group match and asset size.
Other-state peers near STERLING
Using this data
- STERLING ranks #740 of 4,374 nationally on financial health and #11 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SUNWEST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SUNWEST
Frequently Asked Questions
Is STERLING financially healthy?
On its 2025Q4 NCUA 5300 filing, STERLING scores 92/100 (Excellent), with a 16.71% net worth ratio and 0.18% of loans delinquent. It ranks #740 of 4,374 nationally on health and #11 of 66 in Colorado.
How does STERLING compare to other credit unions?
STERLING scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (16.71% vs 12.11%). Its widest shortfall is loan-to-share ratio (43.14% vs 72.20%).
How can I join STERLING?
STERLING operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact STERLING directly for the exact boundaries and application steps.
Is my money safe at STERLING?
STERLING is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. STERLING's net worth ratio of 16.71% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.