Development
Sterling United Federal Credit Union
Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 10.7. A current level of 3.4 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10). Fair liquidity 3.4, driven by a liquidity ratio of 17.4 percent and a “hot money” ratio of 20.7 percent.
Asset Mix:
Consumer loans (43%), home mtgs (26%), securities (4%), other (28%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1330 West Franklin Street
Evansville, IN 47710
Evansville, IN 47710
Phone Number
(812) 425-0111
NCUA Charter Number
Website
Largest Competitors
South Bend, IN
Evansville, IN
Evansville, IN
Evansville, IN
Evansville, IN