STERLING
Charter #2840 · STERLING, CO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.71% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.90% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.54% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.14% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.05% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
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.
| Metric | STERLING | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $246.91M | 62th pct | 66th pct |
| Members | 10,321 | 34th pct | 44th pct |
| Net worth ratio | 16.71% | 92th pct | 85th pct |
| Return on average assets | 1.39% | 86th pct | 74th pct |
| Net interest margin | 2.90% | 11th pct | 15th pct |
| Cost of funds | 1.54% | 68th pct | 79th pct |
| Loan-to-share | 43.92% | 7th pct | 21th pct |
| Delinquency 60+ days | 0.14% | 9th pct | 11th pct |
| Net charge-off ratio | -0.05% | 2th pct | 2th pct |
| Loan growth YoY | 5.76% | 90th pct | 93th pct |
| Share growth YoY | 6.35% | 83th pct | 80th pct |
| Efficiency ratio | 58.85% | 7th pct | 18th pct |
structural peer set hash: 533f7c6cac9573206990c654981b76ef… (reproducible)
Closest structural peers
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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.