Side-by-side · Q2 2026 data
German American Bank vs Sterling United Federal Credit Union
Credit union
Sterling United Federal Credit Union
Evansville, Indiana · $100 million – $1 billion
Metric by metric
| Measure | German American Bank | Sterling United Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 64 |
| Capital cushion | 62 (stronger) | 55 |
| Loan quality | 85 (stronger) | 71 |
| Earnings | 91 (stronger) | 38 |
| Funding & liquidity | 46 | 85 (stronger) |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 77th | 31st |
| Total assets | $8.4B | $101.6M |
| Deposits / shares | $7.1B | $90.5M |
| Capital ratio | 11.19% (stronger) | 10.50% |
| Problem loans | 0.45% (stronger) | 0.86% |
| Net charge-offs | 0.06% (stronger) | 0.82% |
| Return on assets | 1.76% (stronger) | 0.46% |
| Loans ÷ deposits | 83.0% | 74.9% (stronger) |
| Uninsured deposits | 42.8% | 3.9% (stronger) |
| Offices | 89 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 12.2% |
German American Bank has the higher TellerScore (75 vs 64). On the 7 directional measures above (where higher or lower is clearly better), German American Bank leads on 5 and Sterling United Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.