BlastPoint's Credit Union Scorecard

STERLING

Charter #2840 · CO

1077 CUs in 100M-500M nationally 26 in CO

STERLING has 10 strengths but faces 5 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 6.7% in tier
+ Organic Growth Leader: Top 15.1% in tier
+ Emerging Performer: Top 42.1% in tier
+ Credit Quality Leader: Top 43.7% in tier
+ Profitability Leader: Top 57.8% in tier
+ ROA 0.58% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Charge-Off Rate: Top 2.3% in tier
+ Efficiency Ratio: Top 5.1% in tier
+ Net Worth Ratio: Top 7.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 15.7% in tier
- Credit Risk Growth: Bottom 24.8% in tier
- Liquidity Overhang: Bottom 35.3% in tier
- Loan-to-Share Ratio: Bottom 5.7% in tier
- Net Interest Margin (NIM): Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	10,282 +2.7% YoY+0.6% QoQ	-5.3K	15,628 -3.4% YoY	38,063 +8.0% YoY	33,089 +6.1% YoY	32%
Assets	$233.7M +5.5% YoY+0.4% QoQ	+$2.4M	$231.3M -0.0% YoY	$678.0M +7.3% YoY	$547.7M +7.8% YoY	60%
Loans	$84.6M +1.2% YoY-1.9% QoQ	$-63.2M	$147.8M -1.4% YoY	$529.4M +8.0% YoY	$388.7M +8.6% YoY	25%
Deposits	$191.6M +4.1% YoY-0.3% QoQ	$-8.6M	$200.3M -0.0% YoY	$571.8M +9.1% YoY	$464.6M +9.3% YoY	57%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.4% +12.0% YoY-0.7% QoQ	+0.6%	0.8% +15.5% YoY	0.5% +8.5% YoY	0.7% +273.4% YoY	85%
NIM	2.6% +13.0% YoY+1.1% QoQ	-1.0%	3.6% +6.9% YoY	3.6% +3.7% YoY	3.7% +5.0% YoY	Bottom 7.9% in tier
Efficiency Ratio	55.8% -2.4% YoY+1.0% QoQ	-21.4%	77.3% -3.0% YoY	80.6% -2.6% YoY	79.1% -3.3% YoY	Bottom 5.1% in tier
Delinquency Rate	0.2% +486.6% YoY-20.1% QoQ	-0.6	0.9% +7.6% YoY	0.9% +6.2% YoY	1.2% -0.9% YoY	Bottom 11.9% in tier
Loan To Share	44.2% -2.7% YoY-1.6% QoQ	-28.5%	72.7% -1.5% YoY	72.9% -3.4% YoY	68.0% -1.7% YoY	Bottom 5.6% in tier
AMR	$26,870 +0.5% YoY-1.4% QoQ	+$3K	$24,363 +2.9% YoY	$22,866 +4.1% YoY	$19,418 +1.3% YoY	73%
CD Concentration	12.6% +17.4% YoY+4.8% QoQ	-11.8%	24.4% +4.2% YoY	26.3% +7.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#124 of 603 • Top 6.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.66%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.36%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth

#200 of 430 • Top 15.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.66%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Emerging Performer

growth

#81 of 191 • Top 42.1% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.36%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 2.66%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank improving

Credit Quality Leader

growth

#149 of 340 • Top 43.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.21%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.18% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Profitability Leader

growth

#197 of 340 • Top 57.8% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.36%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.15% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (3)

Credit Quality Pressure

risk

#390 of 736 • Bottom 15.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.18% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Credit Risk Growth

risk

#372 of 446 • Bottom 24.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.25%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.18% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Overhang

risk

#48 of 134 • Bottom 35.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.97%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 44.17%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.01%

Peer Avg: -

#26 of 1077 Top 2.3% in 100M-500M tier

Efficiency Ratio

profitability

Value: 55.83%

Peer Avg: -

#56 of 1077 Top 5.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.97%

Peer Avg: -

#81 of 1077 Top 7.4% in 100M-500M tier

129

Total Delinquency Rate (60+ days)

risk

Value: 0.21%

Peer Avg: -

#129 of 1077 Top 11.9% in 100M-500M tier

166

Return on Assets (ROA)

profitability

Value: 1.36%

Peer Avg: -

#166 of 1077 Top 15.3% in 100M-500M tier

176

Share Certificate Concentration (%)

balance_sheet

Value: 12.63%

Peer Avg: -

#176 of 1077 Top 16.2% in 100M-500M tier

245

Member Growth Rate

growth

Value: 2.66%

Peer Avg: -

#245 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1017

Loan-to-Share Ratio

balance_sheet

Value: 44.17%

Peer Avg: -

#1017 of 1077 Bottom 5.7% in 100M-500M tier

992

Net Interest Margin (NIM)

profitability

Value: 2.62%

Peer Avg: -

#992 of 1077 Bottom 8.0% in 100M-500M tier

819

Fee Income Per Member

profitability

Value: $116.30

Peer Avg: -

#819 of 1077 Bottom 24.0% in 100M-500M tier

812

Total Loans

balance_sheet

Value: $84.64M

Peer Avg: -

#812 of 1077 Bottom 24.7% in 100M-500M tier