Charter 2840 · Sterling, CO
Sterling Federal Credit Union
Sterling Federal Credit Union is a federally chartered credit union in Sterling, Colorado, with $247 million in assets and 11,042 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 17.07%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $247 million
- +6.1% in a year
- Members
- 11,042
- +8.1% in a year
- Net worth ratio
- 17.07%
- Peer median 11.65%
- Loans 60+ days late
- 0.00%
- Peer median 0.70%
- Loans outstanding
- $90.6 million
- +5.0% in a year
- Shares and deposits
- $203 million
- +5.6% in a year
- Branches
- 3
- 33 employees
- Opened
- 1938
- Federal charter
How Sterling Federal Credit Union compares
NCUA groups credit unions by size; Sterling Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 17.07% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.00%, is lower than the group median of 0.70%. Loans grew 5.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 18 of 62 credit unions headquartered in Colorado. See all Colorado credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $247 million | 11,042 | $90.6 million | 17.07% | 0.00% |
| Q1 2026 | $247 million | 10,321 | $89.5 million | 16.71% | 0.14% |
| Q4 2025 | $238 million | 10,272 | $84.3 million | 16.91% | 0.18% |
| Q3 2025 | $234 million | 10,282 | $84.6 million | 16.97% | 0.21% |
| Q2 2025 | $233 million | 10,216 | $86.3 million | 16.71% | 0.26% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 62,359 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Sterling Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Sterling Federal Credit Union (main office)
822 W Main St, Sterling, CO 80751 - Fort Morgan Branch
709 E Railroad Ave, Fort Morgan, CO 80701 - Haxtun Branch
229 N Colorado Ave, Haxtun, CO 80731
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology