Side-by-side · Q2 2026 data
Owensboro Federal Credit Union vs Sterling United Federal Credit Union
Credit union
Owensboro Federal Credit Union
Owensboro, Kentucky · Under $100 million in assets
Credit union
Sterling United Federal Credit Union
Evansville, Indiana · $100 million – $1 billion
Metric by metric
| Measure | Owensboro Federal Credit Union | Sterling United Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 64 |
| Capital cushion | 92 (stronger) | 55 |
| Loan quality | 91 (stronger) | 71 |
| Earnings | 62 (stronger) | 38 |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 99 (stronger) | 89 |
| Peer percentile | 85th | 31st |
| Total assets | $88.3M | $101.6M |
| Deposits / shares | $75.0M | $90.5M |
| Capital ratio | 14.21% (stronger) | 10.50% |
| Problem loans | 0.26% (stronger) | 0.86% |
| Net charge-offs | 0.16% (stronger) | 0.82% |
| Return on assets | 1.05% (stronger) | 0.46% |
| Loans ÷ deposits | 48.2% (stronger) | 74.9% |
| Uninsured deposits | 2.0% (stronger) | 3.9% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.2% |
Owensboro Federal Credit Union has the higher TellerScore (88 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Owensboro 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.