BlastPoint's Credit Union Scorecard

STERLING

Charter #2840 · CO

100M-500M

1070 CUs in 100M-500M nationally 26 in CO

STERLING has 8 strengths but faces 2 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 0.64% above tier average
+ Net Charge-Off Rate: Top 1.7% in tier
+ Efficiency Ratio: Top 7.0% in tier
+ Net Worth Ratio: Top 8.0% in tier
+ Total Delinquency Rate (60+ days): Top 9.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Loan-to-Share Ratio: Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	10,321 +2.0% YoY+0.5% QoQ	-4.8K	15,145 -2.5% YoY	45,987 +29.5% YoY	33,913 +5.7% YoY	34%
Assets	$246.9M +5.6% YoY+3.8% QoQ	+$15.2M	$231.7M +0.8% YoY	$896.2M +38.1% YoY	$578.3M +9.0% YoY	62%
Loans	$89.5M +4.6% YoY+6.2% QoQ	$-54.6M	$144.1M +0.2% YoY	$687.4M +35.9% YoY	$402.4M +8.7% YoY	30%
Deposits	$203.8M +5.5% YoY+4.3% QoQ	+$2.7M	$201.1M +0.4% YoY	$753.9M +36.7% YoY	$494.3M +9.1% 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% -0.6% YoY+8.8% QoQ	+0.6%	0.7% +5.1% YoY	0.5% +3.7% YoY	0.4% -39.2% YoY	Top 14.5% in tier
NIM	2.8% +13.6% YoY+10.3% QoQ	-0.8%	3.6% +4.6% YoY	3.5% +0.5% YoY	3.8% +4.1% YoY	Bottom 10.1% in tier
Efficiency Ratio	58.9% +7.9% YoY+1.0% QoQ	-19.2%	78.0% -1.7% YoY	80.2% -2.9% YoY	84.6% +2.8% YoY	Top 7.0% in tier
Delinquency Rate	0.1% -44.8% YoY-19.2% QoQ	-0.6	0.8% +7.1% YoY	1.0% +37.3% YoY	1.2% +3.4% YoY	Top 9.3% in tier
Loan To Share	43.9% -0.8% YoY+1.8% QoQ	-26.5%	70.4% -0.4% YoY	71.5% -0.6% YoY	65.6% -1.4% YoY	Bottom 6.8% in tier
AMR	$28,421 +3.2% YoY+4.4% QoQ	+$4K	$24,918 +2.7% YoY	$24,339 +6.3% YoY	$19,920 +1.6% YoY	76%
CD Concentration	12.7% +12.6% YoY+2.1% QoQ	-11.6%	24.3%	26.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	12.4%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#111 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.00%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.37%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#83 of 157 • 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: 1.37%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.00%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Organic Growth Leader

growth

#228 of 371 • 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): 2.00%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (1)

Liquidity Overhang

risk

#50 of 126 • 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: 16.71%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 43.92%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank improving

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 1070 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.05%

Peer Median: 0.35%

#19 of 1070 Top 1.7% in 100M-500M tier

Efficiency Ratio

profitability

Value: 58.85%

Peer Median: 78.68%

#76 of 1070 Top 7.0% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.71%

Peer Median: 11.45%

#87 of 1070 Top 8.0% in 100M-500M tier

101

Total Delinquency Rate (60+ days)

risk

Value: 0.14%

Peer Median: 0.61%

#101 of 1070 Top 9.3% in 100M-500M tier

155

Return on Assets (ROA)

profitability

Value: 1.37%

Peer Median: 0.69%

#155 of 1070 Top 14.4% in 100M-500M tier

172

Share Certificate Concentration (%)

balance_sheet

Value: 12.69%

Peer Median: 23.10%

#172 of 1070 Top 16.0% in 100M-500M tier

257

Average Member Relationship (AMR)

engagement

Value: $28,421

Peer Median: $22,931

#257 of 1070 Top 23.9% in 100M-500M tier

Top Weaknesses (2 metrics)

997

Loan-to-Share Ratio

balance_sheet

Value: 43.92%

Peer Median: 71.88%

#997 of 1070 Bottom 6.9% in 100M-500M tier

962

Net Interest Margin (NIM)

profitability

Value: 2.85%

Peer Median: 3.62%

#962 of 1070 Bottom 10.2% in 100M-500M tier