BlastPoint's Credit Union Scorecard
STERLING UNITED
Charter #11273 · IN
STERLING UNITED faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 1.63% above tier (higher cost structure)
- - Member decline: -2.4% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Indiana.
- Shares and deposits +1.9% year over year ($90.5M in shares and deposits).
- Membership: 7,982 members, -2.4% vs a year ago.
- Delinquency rate 0.86%.
- Return on assets 0.46%.
- Efficiency ratio 78.37% vs a 76.73% peer average.
- Loan-to-share ratio 74.93% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,982
-2.4% YoY-2.2% QoQ
|
-7.2K |
15,168
-2.6% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$101.6M
+2.0% YoY-0.9% QoQ
|
$-130.4M |
$232.0M
+0.7% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 1.1% in tier |
| Loans |
$67.8M
-1.9% YoY-0.8% QoQ
|
$-78.4M |
$146.3M
+0.2% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
15% |
| Deposits |
$90.5M
+1.9% YoY-0.4% QoQ
|
$-110.2M |
$200.7M
+0.2% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.5% in tier |
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| ROA |
0.5%
+23.1% YoY-6.0% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
25% |
| NIM |
3.5%
+2.1% YoY+1.2% QoQ
|
-0.2% |
3.7%
+4.5% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
37% |
| Efficiency Ratio |
78.4%
-0.7% YoY-1.6% QoQ
|
+1.6% |
76.7%
-0.8% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
53% |
| Delinquency Rate |
0.9%
+36.1% YoY+14.8% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
74.9%
-3.7% YoY-0.5% QoQ
|
+3.4% |
71.5%
-0.3% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
53% |
| AMR |
$19,839
+2.7% YoY+1.6% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
31% |
| CD Concentration |
37.9%
+2.4% YoY-0.1% QoQ
|
+13.4% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % |
39.4%
-8.3% YoY-3.5% QoQ
|
+25.8% | 13.6% | 11.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)