Sterling United Federal Credit Union (NCUA charter #11273) is based in Evansville, Indiana. Its Q2 2026 call report shows $101.6M in total assets and $90.5M in member shares and deposits and 3 offices.
Based on its Q2 2026 filing, Sterling United Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 31% of 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Indiana, it ranks 92nd. Its strongest component is problem-loan coverage (89/100; 5.4%), and its lowest is earnings (38/100; 0.46%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 64).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 66 |
| Q4 2024 | 67 |
| Q1 2025 | 64 |
| Q2 2025 | 64 |
| Q3 2025 | 63 |
| Q4 2025 | 61 |
| Q1 2026 | 64 |
| Q2 2026 | 64 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.51% |
| Q3 2024 | 10.47% |
| Q4 2024 | 10.66% |
| Q1 2025 | 10.16% |
| Q2 2025 | 10.25% |
| Q3 2025 | 10.50% |
| Q4 2025 | 10.45% |
| Q1 2026 | 10.31% |
| Q2 2026 | 10.50% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.29% |
| Q3 2024 | 0.54% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.63% |
| Q3 2025 | 0.87% |
| Q4 2025 | 1.07% |
| Q1 2026 | 0.74% |
| Q2 2026 | 0.86% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.45% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.37% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.42% |
| Q1 2026 | 0.49% |
| Q2 2026 | 0.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $101.6M | 10.50% | 0.86% | 0.46% | 74.9% |
| Q1 2026 | 64 | $102.5M | 10.31% | 0.74% | 0.49% | 75.3% |
| Q4 2025 | 61 | $99.9M | 10.45% | 1.07% | 0.42% | 76.4% |
| Q3 2025 | 63 | $98.6M | 10.50% | 0.87% | 0.43% | 78.9% |
| Q2 2025 | 64 | $99.7M | 10.25% | 0.63% | 0.37% | 77.9% |
| Q1 2025 | 64 | $99.5M | 10.16% | 0.59% | 0.33% | 76.7% |
| Q4 2024 | 67 | $94.1M | 10.66% | 0.49% | 0.45% | 81.3% |
| Q3 2024 | 66 | $94.6M | 10.47% | 0.54% | 0.42% | 80.1% |
| Q2 2024 | 67 | $93.0M | 10.51% | 0.29% | 0.39% | 80.8% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Crossroads Financial Federal Credit UnionCredit union Portland, IN | 100 out of 100, Very strong | $102.4M | 15.1% | 0.05% | vs |
| Thrive Federal Credit UnionCredit union Muncie, IN | 68 out of 100, Moderate | $110.0M | 12.0% | 1.08% | vs |
| Chiphone Federal Credit UnionCredit union Elkhart, IN | 87 out of 100, Very strong | $111.8M | 16.4% | 0.38% | vs |
| Madison County Federal Credit UnionCredit union Anderson, IN | 73 out of 100, Strong | $114.0M | 11.2% | 0.67% | vs |
| Advance Financial Federal Credit UnionCredit union Schererville, IN | 74 out of 100, Strong | $122.9M | 13.1% | 0.76% | vs |
| Members Advantage Credit UnionCredit union Michigan City, IN | 60 out of 100, Moderate | $132.2M | 9.5% | 1.23% | vs |
Deposit insurance
Is my money safe at Sterling United Federal Credit Union?
Yes. Sterling United Federal Credit Union is a federally insured credit union (NCUA charter #11273). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 3.9% of shares and deposits ($3.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 10.50%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Sterling United Federal Credit Union lists 3 offices in 1 city. Most locations:
- Evansville, IN (3)
HMDA 2025
Mortgage lending
In 2025, Sterling United Federal Credit Union reported 48 home-loan applications under HMDA (LEI 549300OD0X37005DV702): 36 originated ($2,500,000 total), 5 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Sterling United Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 11273
- RSSD ID
- 654289
- Primary regulator
- NCUA
- Established
- 1956
- Headquarters
- 1330 W. Franklin Street, Evansville, IN 47710
- Employees
- 23
Quick answers
Sterling United Federal Credit Union: common questions
Is Sterling United Federal Credit Union NCUA insured?
Yes. Sterling United Federal Credit Union is a federally insured credit union (NCUA charter #11273). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Sterling United Federal Credit Union's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Sterling United Federal Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Evansville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Green River Area Federal Credit UnionCredit union Owensboro, KY | 89 out of 100, Very strong | $60.3M | 20.7% | 0.53% | vs |
| Owensboro Federal Credit UnionCredit union Owensboro, KY | 88 out of 100, Very strong | $88.3M | 14.2% | 0.26% | vs |
| Evansville Firefighters Federal Credit UnionCredit union Evansville, IN | 81 out of 100, Strong | $33.8M | 12.4% | 0.00% | vs |
| Diamond Valley Federal Credit UnionCredit union Evansville, IN | 78 out of 100, Strong | $178.8M | 12.9% | 0.72% | vs |
| Heritage Federal Credit UnionCredit union Newburgh, IN | 77 out of 100, Strong | $1.0B | 12.3% | 0.33% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |