BlastPoint's Credit Union Scorecard
STERLING
Charter #2840 · CO
STERLING has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 21.2% in tier
- + Emerging Performer: Top 44.2% in tier
- + Organic Growth Leader: Top 54.6% in tier
- + ROA 0.49% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 5.7% in tier
- + Net Worth Ratio: Top 7.9% in tier
- + Total Delinquency Rate (60+ days): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 36.6% in tier
- - Credit Quality Pressure: Bottom 69.2% in tier
- - Credit Risk Growth: Bottom 89.2% in tier
- - Loan-to-Share Ratio: Bottom 5.5% in tier
- - Net Interest Margin (NIM): Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,272
+2.3% YoY-0.1% QoQ
|
-5.2K |
15,437
-2.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$237.9M
+4.1% YoY+1.8% QoQ
|
+$6.0M |
$231.9M
+1.3% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$84.3M
+1.7% YoY-0.4% QoQ
|
$-63.1M |
$147.3M
-0.1% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$195.4M
+2.9% YoY+2.0% QoQ
|
$-5.4M |
$200.8M
+0.8% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
1.3%
+14.8% YoY-8.1% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
2.6%
+17.1% YoY-1.5% QoQ
|
-1.0% |
3.6%
+6.7% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.1% in tier |
| Efficiency Ratio |
58.3%
-2.2% YoY+4.4% QoQ
|
-18.7% |
77.0%
-3.1% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.7% in tier |
| Delinquency Rate |
0.2%
+170.2% YoY-16.2% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 8.7% in tier |
| Loan To Share |
43.1%
-1.1% YoY-2.3% QoQ
|
-29.1% |
72.2%
-1.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.4% in tier |
| AMR |
$27,229
+0.2% YoY+1.3% QoQ
|
+$3K |
$24,676
+3.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
12.4%
+9.5% YoY-1.6% QoQ
|
-12.0% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)