# STERLING UNITED
EVANSVILLE, IN · NCUA charter 11273 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sterling-united-11273

Who the members are: federal charter, community charter, organized 1956, low-income designated. 8,158 members of 299,543 potential (2.7% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $102.5M |
| Members | 8,158 (0.1% YoY) |
| Full-time staff | 22 |
| Net worth | $10.6M |
| Net worth ratio | 10.3% (p30 of band) |
| ROA (annualized) | 0.49% (p36 of band) |
| Total delinquency | 0.74% (p59 of band) |
| Net charge-offs (annualized) | 0.65% (p77 of band) |
| Loans / shares | 75% (p61 of band) |
| Cash / assets | 20.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.44% (p36 of band) |
| Operating expense / assets | 3.35% (p39 of band) |
| Vehicles % of loans | 57% (p82 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 72% |
| Third-party paper % of net worth | 267% (p93 of band) |
| Vehicle delinquency | 1.27% (p80 of band) |
| Vehicle NCO | 1.58% (p86 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 38% |
| Average share balance | $5,255 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $16,763 |
| Loans granted, annualized | $27.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | losing money |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | losing money |
| 2017-12 | 2 | members leaving |  |
| 2018-03 | 3 | assets shrinking |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | loan book shrinking |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | assets shrinking |
| 2019-06 | 4 | delinquency rising |  |
| 2019-09 | 3 |  | delinquency rising |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | net worth falling | loan book shrinking |
| 2020-06 | 2 |  | 3rd-party paper>100% NW |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | 3rd-party paper>100% NW |  |
| 2021-09 | 1 |  | members leaving |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 2 | net worth falling |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 3 | delinquency rising, members leaving |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | members leaving |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | net worth falling | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-24 [Sterling United Credit Union marks 70 years by paying for shoppers’ groceries, gas - 14 News](https://news.google.com/rss/articles/CBMisAFBVV95cUxNeDRVbVV3NHlHMm1fd0NlbWhoUnBhT2hLRjBSWlhfcjBmdmp4bUhMazROMmllZXJGN3BCZ1VnakpzZ3BDazhlXzZWTDZXS0JyM200ME1pZm5qUURFR3NsXzRrYzN6MVVXMWhSVlExRHhRY2hvWF91dGJZQU1oNUlNWHhoY09fZzFxX0RDOWU4RDNmSDdBanIwVXJKWXI0dnhZcGxBMm1vMTJOQjBBbTk3Qg?oc=5) · 14 News
- 2019-08-26 [Sterling United Federal Credit Union investigating ATM fraud - 14 News](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdEJteVM2UHMzZWZycVVEc2FVWFBPejR2VlpYLW9ZQXB0Tk94dHJRd3V4ZTR2dXVxazdqMTVsazg3WXcydW5ZWHJ4a21GNDdJT2oyVVJ3UjZwZkdsODBFTGNpbl94VmEzOGtRNDRBcFdoR2Y3clpyeEphMlZmS3JOeGVTVVI5NFRfMkgtUGpUYnNOdFd4WnBfbmI3b9IBrwFBVV95cUxPbWgzam1BQXJBN2UwWE1qZFdRTGZnQ3FqSDdKT0NVaC1peE0wUmgtTTdMWXAwOVJFSnBlMjR3RW1XX3BmMjluWVJrWHN1c3VQVzBVRF96MGxITzRVa3ZwZ2IzNk8yZnBENXJkSFU1amw5c2U2TWNpelhpUDBzc3lNNGZ1WkZCY0k2bUR2OEJ3R3FyZm9pS1FpVl90QVA5NG1RODEyVUhDdlo4Q3lhOXU4?oc=5) · 14 News
- 2025-07-09 [Art From the Heart - Evansville Living Magazine](https://news.google.com/rss/articles/CBMiYkFVX3lxTE16UmxpX1NFTHdnMVlHaEdrMmZmUXpybGdrQlc4QlVXc2FTMXNZWHFsdDRpS2Zhb2dhTUJBeEdOdWRoQTJ0b1hpVFUxU1JwM1NuZFNFSi0wak1DLUxFUmlTY0t3?oc=5) · Evansville Living Magazine
- 2021-10-10 [Robert "Bob" W. Francis, Sr. Obituary - Courier & Press](https://news.google.com/rss/articles/CBMiXkFVX3lxTFA1ZXhQWjlrdEoybGlndUJMYUo0Nm05TlpRM0d1aUpDUDB3QmFlRHVZQmdWSF9FS2htckdwaFp4N0Z5SExWN1hqUU4zSmd2SWtkWjZsRGNUdXBzUEhPekE?oc=5) · Courier & Press
- 2018-03-19 [Chase Eaden Obituary - Newburgh, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTFA5c1NjOGtTeXpjcUgxVTZqemE4QjBySmtnV2F3UVB4RnZEN0ZFT0Z0MTh3dE02aGswa0x3SUJwV0x1SVBLX0J5azBtc0xoSGhfb1NtNkRBT08zUzhUZmtVeW55UHBoa2FkNGtDOWNGY0RNNmktV1JyTWZRMEROVVE?oc=5) · Dignity Memorial
- 2018-03-19 [Jamie Wilson Obituary - Evansville, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcDA3RkZWOEtHR0Vib3RBS19JUWN5Vm1MRlFvUk9TcERkTlJMNUtCaFVTTkVhUVNVLVVxSmlJUG1vWF8yTXRtTldnQjUwNl9GQ0p6OHpRSThCX1kyZ1BXU3dnVk9DMmZweTZCS3JyNXpVSGFrTDlJb2V3NG1DVXdsd2ozZw?oc=5) · Dignity Memorial
- 2012-04-09 [Joseph Sperry Obituary - Evansville, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxPdXdFQkl0NVhqS29EaUwzc3BmM1ZkSjg0UG82SC1KeVhHYTVMTXJsM0otenE2Q0loaENvZkdGbzVfUFhYN0E0cTItUVJ0NE5YOTYzM292ZjJPbjZvQ24zRFVZRzZfSUQwbGJkdXpwOW9yVm9CRVU4MDBpaHpCakpwSVR1YXo?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11273 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/9.json (key "11273", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11273
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide