STERLING
Federal • STERLING, Colorado • Est. 1938
Quick Facts
- Charter Number
- #2840
- Type
- Federal
- Established
- 1938
- Headquarters
- STERLING, Colorado 80751
- Address
- PO BOX 1086
- Branches
- 2
- ATMs
- 2
- Members
- 10,272
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
10,272 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | STERLING |
|---|---|
| Total Assets | $237.9M |
| Members | 10,272 |
| Loans Outstanding | $84.3M |
| Shares & Deposits | $195.4M |
| Net Worth | $40.2M |
| Net Worth Ratio | 16.91% |
| Loan-to-Share Ratio | 43.1% |
| Delinquency Rate | 0.18% |
| Net Income | +$3,025,561 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
Sterling Federal Credit Union
Main Office822 W Main St
Sterling, CO 80751
Fort Morgan Branch
709 E Railroad Ave
Fort Morgan, CO 80701
Who Can Join STERLING?
Membership Type: Other/Unknown
Membership eligibility for STERLING may vary. Contact the credit union directly to confirm qualification requirements.
Contact STERLING directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Colorado
Browse all federally insured credit unions in Colorado, ranked by assets, members, and financial health score.
View Colorado RankingsFrequently Asked Questions
Yes. STERLING is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, STERLING has 10,272 members and a potential membership field of 50,100 people.
STERLING's net worth ratio is 16.91% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 16.9%, STERLING meets this threshold.
STERLING operates 2 branch locations and has access to 2 ATMs. The main office is located at 822 W Main St, Sterling, CO 80751.
STERLING was established in 1938. It is a federal credit union chartered under charter number 2840. The institution has been serving members for 88 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or STERLING. All financial data is for informational purposes only.