Side-by-side · Q2 2026 data
Sterling Federal Bank, F.S.B. vs Select Employees Credit Union
Credit union
Select Employees Credit Union
Sterling, Illinois · Under $100 million in assets
Metric by metric
| Measure | Sterling Federal Bank, F.S.B. | Select Employees Credit Union |
|---|---|---|
| TellerScore | 20 | 86 (stronger) |
| Capital cushion | 27 | 76 (stronger) |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 0 | 82 (stronger) |
| Funding & liquidity | 79 | 92 (stronger) |
| Problem-loan coverage | 3 | 98 (stronger) |
| Peer percentile | 0th | 80th |
| Total assets | $481.6M | $78.6M |
| Deposits / shares | $403.4M | $68.4M |
| Capital ratio | 7.67% | 12.63% (stronger) |
| Problem loans | 6.26% | 0.26% (stronger) |
| Net charge-offs | 4.07% | 0.13% (stronger) |
| Return on assets | -2.24% | 1.55% (stronger) |
| Loans ÷ deposits | 81.3% | 68.2% (stronger) |
| Uninsured deposits | 8.7% | 3.9% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Select Employees Credit Union has the higher TellerScore (86 vs 20). On the 7 directional measures above (where higher or lower is clearly better), Sterling Federal Bank, F.S.B. leads on 0 and Select Employees Credit Union on 7. 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.