BlastPoint's Credit Union Scorecard

STERLING

Charter #2840 · CO

100M-500M

1024 CUs in 100M-500M nationally 26 in CO

STERLING has 8 strengths but faces 4 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 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.53% above tier average
+ Strong member growth: 8.1% YoY
+ Total Delinquency Rate (60+ days): Top 0.6% in tier
+ Net Charge-Off Rate: Top 0.8% in tier
+ Member Growth Rate: Top 4.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Loan-to-Share Ratio: Bottom 6.9% in tier
- AMR Growth Rate: Bottom 8.8% in tier

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 26 that size in Colorado.
Shares and deposits +5.6% year over year ($203M in shares and deposits).
Membership: 11,042 members, +8.1% vs a year ago.
Delinquency rate 0.00%.
Return on assets 1.40%.
Efficiency ratio 59.42% vs a 76.73% peer average.
Loan-to-share ratio 44.61% 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 (CO)	National Avg	Tier Percentile
Members	11,042 +8.1% YoY+7.0% QoQ	-4.1K	15,168 -2.6% YoY	46,494 +29.3% YoY	34,678 +6.6% YoY	38%
Assets	$246.9M +6.1% YoY-0.0% QoQ	+$14.9M	$232.0M +0.7% YoY	$894.3M +37.1% YoY	$593.1M +10.2% YoY	62%
Loans	$90.6M +5.0% YoY+1.2% QoQ	$-55.7M	$146.3M +0.2% YoY	$702.2M +37.3% YoY	$418.6M +10.1% YoY	30%
Deposits	$203.0M +5.6% YoY-0.4% QoQ	+$2.3M	$200.7M +0.2% YoY	$750.1M +37.6% YoY	$504.8M +10.3% YoY	60%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% +1.7% YoY+2.3% QoQ	+0.5%	0.9% +12.5% YoY	0.7% +37.8% YoY	1.2% +121.4% YoY	84%
NIM	3.0% +14.3% YoY+4.1% QoQ	-0.7%	3.7% +4.5% YoY	3.5% +0.2% YoY	3.8% +2.3% YoY	Bottom 12.6% in tier
Efficiency Ratio	59.4% +7.5% YoY+1.0% QoQ	-17.3%	76.7% -0.8% YoY	79.8% -0.6% YoY	83.0% -5.3% YoY	Top 8.0% in tier
Delinquency Rate	0.0% -98.2% YoY-96.7% QoQ	-0.9	0.9% +6.6% YoY	0.8% -1.8% YoY	1.3% +2.6% YoY	Top 0.6% in tier
Loan To Share	44.6% -0.6% YoY+1.6% QoQ	-26.9%	71.5% -0.3% YoY	72.6% -0.3% YoY	66.4% -1.4% YoY	Bottom 6.8% in tier
AMR	$26,591 -2.5% YoY-6.4% QoQ	+$1K	$25,107 +3.2% YoY	$24,334 +6.4% YoY	$20,028 -0.9% YoY	68%
CD Concentration	13.8% +14.6% YoY+8.9% QoQ	-10.7%	24.6%	27.0%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	12.3%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#11 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 8.09%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.40%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Emerging Performer

growth

#13 of 175 • Top 50.0% 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: 1.40%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 8.09%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank improving

Organic Growth Leader

growth

#33 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 8.09%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Concerns (2)

Liquidity Overhang

risk

#50 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.07%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 44.61%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY

Shrinking Wallet Share

decline

#112 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.46%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: 0.71%

#7 of 1024 Top 0.6% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.03%

Peer Median: 0.34%

#9 of 1024 Top 0.8% in 100M-500M tier

Member Growth Rate

growth

Value: 8.09%

Peer Median: -0.03%

#48 of 1024 Top 4.6% in 100M-500M tier

Efficiency Ratio

profitability

Value: 59.42%

Peer Median: 77.26%

#83 of 1024 Top 8.0% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.07%

Peer Median: 11.71%

#89 of 1024 Top 8.6% in 100M-500M tier

162

Return on Assets (ROA)

profitability

Value: 1.40%

Peer Median: 0.75%

#162 of 1024 Top 15.7% in 100M-500M tier

185

Share Certificate Concentration (%)

balance_sheet

Value: 13.81%

Peer Median: 23.39%

#185 of 1024 Top 18.0% in 100M-500M tier

Top Weaknesses (4 metrics)

954

Loan-to-Share Ratio

balance_sheet

Value: 44.61%

Peer Median: 73.07%

#954 of 1024 Bottom 6.9% in 100M-500M tier

935

AMR Growth Rate

growth

Value: -2.46%

Peer Median: 3.53%

#935 of 1024 Bottom 8.8% in 100M-500M tier

895

Net Interest Margin (NIM)

profitability

Value: 2.97%

Peer Median: 3.67%

#895 of 1024 Bottom 12.7% in 100M-500M tier

829

Fee Income Per Member

profitability

Value: $106.62

Peer Median: $159.88

#829 of 1024 Bottom 19.1% in 100M-500M tier