Side-by-side · Q2 2026 data
Thrive 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 | Thrive Federal Credit Union | Sterling United Federal Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 64 |
| Capital cushion | 70 (stronger) | 55 |
| Loan quality | 64 | 71 (stronger) |
| Earnings | 51 (stronger) | 38 |
| Funding & liquidity | 82 | 85 (stronger) |
| Problem-loan coverage | 88 | 89 (stronger) |
| Peer percentile | 45th | 31st |
| Total assets | $110.0M | $101.6M |
| Deposits / shares | $96.2M | $90.5M |
| Capital ratio | 12.00% (stronger) | 10.50% |
| Problem loans | 1.08% | 0.86% (stronger) |
| Net charge-offs | 0.43% (stronger) | 0.82% |
| Return on assets | 0.77% (stronger) | 0.46% |
| Loans ÷ deposits | 77.9% | 74.9% (stronger) |
| Uninsured deposits | 10.5% | 3.9% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.3% | 12.2% |
Thrive Federal Credit Union has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Thrive Federal Credit Union leads on 4 and Sterling United Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.