Unverified listing What this means
The Lender Report built this page from public records. Sterling Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Sterling Credit Union itself. Each figure shows its source and date. Work at Sterling Credit Union? You can claim this page for free.
Credit union, Sterling, CO
Sterling Credit Union
A credit union based in Sterling, CO. Its commercial book is led by farmland and owner-occupied CRE. Public files show recent real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $21.9M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 10
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $247M
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 970-522-0111 From the NCUA record, June 30, 2026.
- Website
- www.sterlingcreditunion.orgFrom the NCUA record, November 9, 2026.
- Names it files under
- STERLINGNCUA 5300,
- Address
- PO Box 1086, Sterling, CO 80751NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Community credit unions. Designated low-income by NCUA.
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
No public record of recent loans. That can mean no such loans or no duty to report.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $0 | 0.0% | Not reported | 0 | Not reported |
| Construction and land development | $22.9K | 0.0% | Not reported | 1 | $22.9K |
| Owner-occupied CRE | $5.03M | 5.5% | -8.3% | 33 | $152K |
| Non-owner-occupied CRE | $0 | 0.0% | Not reported | 0 | Not reported |
| Farmland | $6.13M | 6.8% | -3.0% | 20 | $306K |
| Commercial and industrial | $3.59M | 4.0% | +57.9% | 21 | $171K |
| Other real-estate-secured commercial | $7.11M | 7.8% | +7.3% | Not reported | Not reported |
| Commercial total | $21.9M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $15.6M |
| Q4 2023 | $15.8M |
| Q1 2024 | $14.9M |
| Q2 2024 | $14.6M |
| Q3 2024 | $14.3M |
| Q4 2024 | $13.9M |
| Q1 2025 | $15.3M |
| Q2 2025 | $14.3M |
| Q3 2025 | $14.0M |
| Q4 2025 | $13.4M |
| Q1 2026 | $17.5M |
| Q2 2026 | $14.8M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Real-estate-secured commercial | First half of 2026 | 10 | $3.24M | NCUA 5300, | ||
| Construction | First half of 2026 | 1 | $150K | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 3 | $610K | NCUA 5300, | ||
| C&I | First half of 2026 | 9 | $2.41M | NCUA 5300, |
| Book | Average loan |
|---|---|
| Construction and land development | $22.9K |
| Owner-occupied CRE | $152K |
| Farmland | $306K |
| Commercial and industrial | $171K |
Programs on record: Federal Home Loan Bank member, Topeka district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices |
|---|---|
| Colorado HQ | 3 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $30.2M | $7.92M to $33.6M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $13.7M | $0 to $20.7M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 45.3% | 0.0% to 98.0% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $6.32M | $1.08M to $5.20M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 0.1% | 0.0% to 45.1% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 36.7% | 40.7% to 87.2% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Coloramo Credit Union | CO | $196M | $10.9M |
| Nuvista Credit Union | CO | $172M | $20.7M |
| Grand Junction Credit Union | CO | $115M | $5.32M |
| Minnequa Works Credit Union | CO | $274M | $23.2M |
| Fellowship Credit Union | CO | $64.6M | $2.63M |
| Sunwest Credit Union | CO | $233M | $3.31M |
| Weld Community Credit Union | CO | $110M | $0 |
| Encompass Credit Union | IN | $241M | $8.25M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Sterling Credit Union, NCUA charter 2840. Compare it with the regulator's record. [NCUA profile]
- Balances. $247M in total assets and $21.9M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 10 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300.
- Phone and website. Phone 970-522-0111, from the NCUA record. Website sterlingcreditunion.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 2840
- RSSD
- 908870
- The Lender Report ID
- lr_003931
- Main office county
- Logan
- Members
- 11,088
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $246.9M in total assets as of June 30, 2026 (NCUA 5300).
- Held $21.9M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $6.1M of farmland loans as of June 30, 2026 (NCUA 5300).
- Held $5M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $3.6M of commercial and industrial loans as of June 30, 2026, up 57.9% from a year earlier (NCUA 5300).
- Originated 10 real-estate-secured commercial loans totaling $3.2M in the first half of 2026 (NCUA 5300).
2 more sentences
- Held $13.7M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 3 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Sterling Credit Union, https://lender.report/lender/sterling-credit-union-co/, data as of June 30, 2026.
Sources
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Work at Sterling Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem