Side-by-side · Q2 2026 data
Madison County Federal Credit Union vs Sterling United Federal Credit Union
Credit union
Sterling United Federal Credit Union
Evansville, Indiana · $100 million – $1 billion
Metric by metric
| Measure | Madison County Federal Credit Union | Sterling United Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 64 |
| Capital cushion | 62 (stronger) | 55 |
| Loan quality | 78 (stronger) | 71 |
| Earnings | 60 (stronger) | 38 |
| Funding & liquidity | 92 (stronger) | 85 |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 60th | 31st |
| Total assets | $114.0M | $101.6M |
| Deposits / shares | $100.2M | $90.5M |
| Capital ratio | 11.24% (stronger) | 10.50% |
| Problem loans | 0.67% (stronger) | 0.86% |
| Net charge-offs | 0.37% (stronger) | 0.82% |
| Return on assets | 1.01% (stronger) | 0.46% |
| Loans ÷ deposits | 68.0% (stronger) | 74.9% |
| Uninsured deposits | 2.9% (stronger) | 3.9% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | 12.2% |
Madison County Federal Credit Union has the higher TellerScore (73 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Madison County Federal Credit Union leads on 7 and Sterling United Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.