BlastPoint's Credit Union Scorecard
SUPERIOR CREDIT UNION
Charter #60215 · PA
SUPERIOR CREDIT UNION has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% above tier average
- + Net Interest Margin 0.25% above tier average
- + Fee Income Per Member: Top 7.1% in tier
- + Total Loans: Top 7.7% in tier
- + Total Members: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.52% above tier (higher cost structure)
- - Member decline: -3.2% YoY
- - Net Worth Ratio: Bottom 1.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,287
-3.2% YoY-0.8% QoQ
|
+3.7K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 7.8% in tier |
| Assets |
$64.8M
+2.4% YoY+2.9% QoQ
|
+$34.7M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 14.9% in tier |
| Loans |
$44.7M
-8.5% YoY-0.6% QoQ
|
+$28.9M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Top 7.7% in tier |
| Deposits |
$61.9M
+3.5% YoY+4.6% QoQ
|
+$36.2M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Top 11.2% in tier |
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| ROA |
0.8%
-1117.5% YoY-17.5% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
4.2%
+7.2% YoY+2.4% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
86.1%
-10.7% YoY-0.3% QoQ
|
+3.5% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.1%
-74.8% YoY-40.1% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
72.1%
-11.6% YoY-5.0% QoQ
|
+11.5% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$16,958
+1.4% YoY+3.2% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
16.1%
-16.7% YoY-5.4% QoQ
|
-8.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
2.7%
-25.4% YoY-5.2% QoQ
|
-11.1% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)