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Overview / Commentary
822 W Main St
Sterling, CO 80751

Sterling Credit Union is headquartered in Sterling and is the 22nd largest credit union in the state of Colorado. It is also the 1,287th largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 24 employees and 8,780 members. Sterling Credit Union has a A+ health rating.

Field of Membership Restrictions

Must live in Logan or Morgan County. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Sterling Credit Union had $206,000 in non-current loans and owned real-estate with $17.91 million in equity and loan loss allowances on hand to cover it. This gives Sterling Credit Union a Texas Ratio of 1.15% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Sterling Credit Union experienced no significant changes from 0.55% as of March 31, 2013 to 1.15% as of March 31, 2014, resulting in a negative change of 108.11%. This indicates that the balance sheet and financial strength for Sterling Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Sterling Credit Union has increased its total deposits by $4.96 million, resulting in 4.78% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Sterling Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Sterling Credit Union has $128.26 million in assets with $17.91 million in equity, resulting in a capitalization level of 13.96%, which is excellent.

Institution Statistics

NCUA #2840
Year Chartered1938
Primary Regulator
Assets and Liabilities
Assets$128.26 million
Loans$37.86 million
Deposits$108.53 million
Equity Capital$17.84 million
Loan Loss Allowance$67,000
Unbacked Noncurrent Loans$206,000
Real Estate Owned$0
Historic Data - March 2013
Assets$122.51 million
Equity Capital$16.95 million
Loan Loss Allowance$62,000
Unbacked Noncurrent Loans$206,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.22%
Return on Assets0.64%
Return on Equity4.57%
Interest Income$631,000
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Sterling Credit Union Savings Account Rates

0.25%$100-Regular Shares
0.25%$100-Safari Club
0.25%$100-Christmas Club
0.25%$100-Special Accounts
0.25%$100-Traditional IRA
0.25%$100-Roth IRA

Sterling Credit Union CD Rates

0.60%$1k-24 Month CD
0.45%$1k-12 Month CD

Sterling Credit Union IRA Rates

0.60%$1k-24 Month IRA
0.45%$1k-12 Month IRA

Sterling Credit Union Locations
Branch Office822 W Main StSterling, CO 80751
Branch Office709 E Railroad AveFort Morgan, CO 80701