# STERLING
STERLING, CO · NCUA charter 2840 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sterling-2840

Who the members are: federal charter, community charter, organized 1938, low-income designated. 10,321 members of 55,450 potential (18.6% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 26.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $246.9M |
| Members | 10,321 (2.0% YoY) |
| Full-time staff | 31 |
| Net worth | $41.3M |
| Net worth ratio | 16.7% (p94 of band) |
| ROA (annualized) | 1.37% (p87 of band) |
| Total delinquency | 0.14% (p8 of band) |
| Net charge-offs (annualized) | -0.05% (p1 of band) |
| Loans / shares | 44% (p2 of band) |
| Cash / assets | 24.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.85% (p11 of band) |
| Operating expense / assets | 1.95% (p3 of band) |
| Vehicles % of loans | 31% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.41% (p37 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.02% (p56 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 61% |
| Core shares % of member funds | 84% |
| Certificates % of member funds | 13% |
| Average share balance | $9,765 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 26% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $33,046 |
| Loans granted, annualized | $33.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 0 |  | delinquency rising, net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 1 | delinquency rising | net worth falling |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 2 | net worth falling, delinquency rising |  |
| 2020-03 | 1 |  | net worth falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | delinquency rising |
| 2020-12 | 1 | delinquency rising |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 0 |  | delinquency rising, net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | net worth falling, delinquency rising |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | net worth falling | delinquency rising |

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

- 2026-07-25 [Things to do in Sterling & Logan County – July 25 – July 31 - Sterling Journal-Advocate](https://news.google.com/rss/articles/CBMiogFBVV95cUxQZnI0ZjlEUUphYi1FWXhydzZPVHdPQnFGRFRpM0JOMFI4ZHA0Z1U4QnBHa3RMT0xRVlFuUHpFcFBYalc2SWluYWlmeWhmMExRZm1wQWdTNGVmY0VkYk1OY0Mxci04bEs1SFpmd0l5ZE1nb1B6U2lPUUFRb0lGeUtDSmx5cThpdnNmblVwR3liRThnbkZMQzdZRzRHSjJEWlo4RXc?oc=5) · Sterling Journal-Advocate
- 2026-07-13 [Sterling Street Fest set to bring music, makers and family fun to downtown July 25 - Shaw Local](https://news.google.com/rss/articles/CBMiywFBVV95cUxPMGlwR2djX0FUNFJYeEc3dHcxQWdtR1MxYmxnUlZMWkNFS24yWkNvYU1FNG85ZFk2akpzWU9TU3YtZWFVM3BtaWxrWUpWYUZOX1BtMjFrbXVkQTJ6SlppN1plUDhYVFhMQzEyNzA3MTRXSXM2N0N2OUdYZTlQalNJOEZRekpJcHdtZVVwQXNnVTE1TWRPWHBETjFLa1l5RUdwdzhZaTJWdFBjUEZKQXJLNE5rMHFGYlN4VjEyMERoVklka2xuLUl3LTRyaw?oc=5) · Shaw Local
- 2025-09-24 [Accused Sterling Heights safe breaker ordered to higher court - detroitnews.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPM2lpcDhyTklweFduYjdWeFNTZC1lMVZWenJMNnYyRzFyejNuWlZVMm5pY3hnTHo5VUx3NklEeTBQSmhTMVluaUNlejlPOUVScml0SU03NnhfTVlRdlBNZlYyU05wcmpnNXVwMFhoMklHRGdBTC0xUVM5VnNzeDdzeUhsbFI5cGxZUnBkR1pxWHNxQUJtMEFxb2l3SWROU0JmZUhXeFVaOEhBMFhhMUxuWDVxR2M1VjBZczBDQmNzTFR2V2dwMGJLenh4OXdQZWw1YVZsZWlaTkk?oc=5) · detroitnews.com
- 2023-09-12 [Business of the Week: Sterling Federal Credit Union - Sterling Journal-Advocate](https://news.google.com/rss/articles/CBMiogFBVV95cUxPNkNMcllDXy1rOG5PTV9oZHhDcnUwVF9hSGNHc2lIWlVZUTV2S3RMVWFHT0VUaUQ2ZzJxaF90LTZZZFo4QWxHZkJkdnJsMkNfLUk4ZWN3cFRuOEZkSzA2blFLeE5jdTZRaVJUYm1ia0RCSjZjcFE0Q0dpN2wxLV8ybW5Bd0ZSV2tGUTBSNXpQb1JZeHhveEFDZHpKZ3V6dXYzVFE?oc=5) · Sterling Journal-Advocate
- 2019-08-26 [Sterling United Federal Credit Union investigating ATM fraud - 14 News](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdEJteVM2UHMzZWZycVVEc2FVWFBPejR2VlpYLW9ZQXB0Tk94dHJRd3V4ZTR2dXVxazdqMTVsazg3WXcydW5ZWHJ4a21GNDdJT2oyVVJ3UjZwZkdsODBFTGNpbl94VmEzOGtRNDRBcFdoR2Y3clpyeEphMlZmS3JOeGVTVVI5NFRfMkgtUGpUYnNOdFd4WnBfbmI3b9IBrwFBVV95cUxPbWgzam1BQXJBN2UwWE1qZFdRTGZnQ3FqSDdKT0NVaC1peE0wUmgtTTdMWXAwOVJFSnBlMjR3RW1XX3BmMjluWVJrWHN1c3VQVzBVRF96MGxITzRVa3ZwZ2IzNk8yZnBENXJkSFU1amw5c2U2TWNpelhpUDBzc3lNNGZ1WkZCY0k2bUR2OEJ3R3FyZm9pS1FpVl90QVA5NG1RODEyVUhDdlo4Q3lhOXU4?oc=5) · 14 News
- 2023-08-29 [MOUNTAIN AMERICA AND PHOENIX SUNS OFFER FANS EXCLUSIVE CO-BRANDED DEBIT AND CREDIT CARDS - NBA.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxQbmsxc3A1UXBiOE4wYnAwZlpQNzdRQUNtR0RJU29zTGphMlFfVThnLVJpdFpJdzY1RFJRLWgxN1gyZEc0bnJPbElDY2tFaUtvQm9MNVJjMURnWThZZGxzX0x5SVd5VkxDM2lvdC1rMHBSMFNzeHVnSUEyNklLQVFKTFpGVk1BWHdRNTNFcmluVXBORGhXaTI5M2YweUNvcnNVUTVHdWtwa0hqc3lwMlZHRG1oRFRZOWNsdnc?oc=5) · NBA.com
- 2023-08-02 [ASU, Mountain America Credit Union reach one of most significant naming-rights deals in college sports - ASU News](https://news.google.com/rss/articles/CBMitgFBVV95cUxOZzhxcTFwSUVCVXpwS0FvV2dYLTlJY3hXSW9VOTJxUE1Yc3RhOWxvakVhWGV1Vk9kX0ZDdVNzc2FYZ0VfVElJd09BUlRaZlNZTjZJRk1IY2ZxNTB1c09PdGJxU1hyUHN1X05RMFk1TXZkVTAyX3F1S1lucExiMlU2N1A2OHFQbUZLQ21fVnpfOHJYNy1Ob0c1VWV5ZVJLTGVMdDVMVlY0RDBsQ0xPcjJIYWExeXVXdw?oc=5) · ASU News
- 2021-11-03 [Linda Coberly Obituary (2021) - Sterling, CO - Journal Advocate - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOaUdsRzYzbFhVekoyX0E3YzVueFMyd2M1NkJxQzcxbVJNd0MycDBMeXVKSmFMbkNNTU5UZXpIM0hjRnJVTzZDdFkyWEFOQWE3NjcxZ1I2QnFQLWs5VTJqOEFWVDhjRTRLU05mYTNWN1JodWZjellEX1BiQllxR1VfRjJleUtRQkhtQUp1QW5zZXBvWDdCZ3p6MA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2840 (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/24.json (key "2840", 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=2840
- 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