Innorve

STERLING UNITED

Charter #11273 · EVANSVILLE, IN · $100M-$500M

Public 5300 data · as of 2026Q1

What the numbers say

  • Members of 8,158 sits at the 16th percentile of structural peers — worth a closer look.
  • Net interest margin of 3.48% sits at the 16th percentile of structural peers — worth a closer look.
  • Cost of funds of 2.14% sits at the 93rd percentile of structural peers — worth a closer look.
  • On Net interest margin, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 16th — a 22-point gap showing why the peer definition matters.

Headline ratios vs. peers

Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.

MetricSTERLING UNITEDAsset-tier percentileStructural percentile
Total assets$102.52M3th pct15th pct
Members8,15819th pct16th pct
Net worth ratio10.31%32th pct34th pct
Return on average assets0.49%36th pct34th pct
Net interest margin3.48%39th pct16th pct
Cost of funds2.14%92th pct93th pct
Loan-to-share75.29%56th pct51th pct
Delinquency 60+ days0.74%61th pct49th pct
Net charge-off ratio0.65%75th pct69th pct
Loan growth YoY-0.66%40th pct31th pct
Share growth YoY4.14%60th pct49th pct
Efficiency ratio79.63%54th pct49th pct

structural peer set hash: 637645eafc27e2727af02a40e91869e7… (reproducible)

Closest structural peers

FIREFIGHTERS & COMPANY60.7%
#395 · OH
METRUM COMMUNITY59.6%
#62422 · CO
SOUTHWEST 6659.1%
#67550 · TX
LA PORTE COMMUNITY58%
#2051 · IN
PRIORITY FIRST56.7%
#19655 · PA
ROUTE 3156.7%
#5982 · MI
This is the free public view

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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.