Credit union · NCUA insured
Sterling Federal Credit Union
A $246.9M credit union headquartered in Sterling, CO, with 10,321 members and 3 branches in Colorado. Best rates: CDs 3.51% and savings 1.51% APY.
Sterling Federal Credit Union Carrot Score
82
Carrot Score
Higher than 57% of U.S. banks and credit unions
#2 of 7 in Fort Morgan, CO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sterling Federal Credit Union
- Headquarters
- 822 W Main St, Sterling, CO 80751
- NCUA charter
- 2840
Branches
3 branches in Colorado
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Colorado
3 branches
Sterling area · 1
- Sterling Federal Credit UnionMain office822 W Main St, Sterling, CO 80751Directions
Fort Morgan area · 1
- Fort Morgan Branch709 E Railroad Ave, Fort Morgan, CO 80701Directions
Haxtun area · 1
- Haxtun Branch229 N Colorado Ave, Haxtun, CO 80731Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.07% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.00% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.42% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $45 | $76 | — |
- CapitalNet worth ratio17.07%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.00%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.42%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$45Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Sterling Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.