SUPERIOR CHOICE

Charter #67173 | WI

500M-750M (169 CUs) Community (281 CUs)
5 500M-750M in WI

SUPERIOR CHOICE faces 16 concerns requiring attention

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Accelerating Exit Risk: Bottom 0.4% in tier
  • - Institutional Decline: Bottom 0.4% in tier
  • - Membership Headwinds: Bottom 4.0% in tier
  • - Shrinking Wallet Share: Bottom 8.4% in tier
  • - Stagnation Risk: Bottom 9.1% in tier
  • - Efficiency Drag: Bottom 24.3% in tier
  • - Liquidity Strain: Bottom 32.6% in tier
  • - ROA 0.45% below tier average
  • - Efficiency ratio 10.05% above tier (higher cost structure)
  • - Member decline: -7.1% YoY
  • - Deposit Growth Rate: Bottom 1.8% in tier
  • - Asset Growth Rate: Bottom 2.4% in tier
  • - Net Worth Ratio: Bottom 2.4% in tier
  • - Member Growth Rate: Bottom 3.6% in tier
  • - First Mortgage Concentration (%): Bottom 4.1% in tier
  • - Loan Growth Rate: Bottom 4.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 38,156
-7.1% YoY-1.2% QoQ
 -1.6K 39,752
-2.7% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 51st in tier
Assets $699.3M
-11.3% YoY-0.8% QoQ
 +$76.9M $622.4M
+0.3% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 Top 23.1% in tier
Loans $546.2M
-10.2% YoY-3.3% QoQ
 +$110.3M $435.9M
-0.4% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 Top 13.6% in tier
Deposits $593.6M
-11.5% YoY-1.2% QoQ
 +$55.6M $538.0M
+1.3% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 Top 24.9% in tier
ROA 0.2%
-137.6% YoY+777.6% QoQ
 -0.5% 0.7%
+33.9% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 Bottom 15.4% in tier
NIM 3.3%
+20.8% YoY+3.5% QoQ
 -0.1% 3.4%
+8.6% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 37th in tier
Efficiency Ratio 88.1%
+6.0% YoY-0.1% QoQ
 +10.0% 78.1%
-3.4% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 Top 14.2% in tier
Delinquency Rate 0.5%
-58.8% YoY-25.8% QoQ
 -0.3 0.8%
-4.9% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 40th in tier
Loan To Share 92.0%
+1.5% YoY-2.1% QoQ
 +11.0% 81.0%
-1.8% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 Top 21.3% in tier
AMR $29,873
-4.0% YoY-1.0% QoQ
 +$3K $26,482
+2.6% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 Top 24.9% in tier
CD Concentration 28.7%
-19.6% YoY+6.1% QoQ
 +4.2% 24.4%
+4.2% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 66th in tier
Indirect Auto % 12.3%
-8.4% YoY+24.8% QoQ
 -1.6% 14.0%
-5.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 58th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Accelerating Exit Risk

decline
#2 of 58 • Bottom 0.4% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -7.15%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -4.03%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
58 of 281 Community CUs have this signature | 73 nationally
↓ Shrinking -89 CUs YoY | New qualifier

Institutional Decline

decline
#4 of 256 • Bottom 0.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $699.30M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -7.15%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -10.21%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline
#67 of 550 • Bottom 4.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -7.15%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#85 of 244 • Bottom 8.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -4.03%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Stagnation Risk

risk
#151 of 550 • Bottom 9.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.21%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -7.15%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $29.9K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 28.65%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk
#429 of 521 • Bottom 24.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 88.14%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.75% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -7.15%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Strain

risk
#253 of 258 • Bottom 32.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 92.02%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -10.21%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

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)

Comparing against 169 peers in tier

Top Strengths (6 metrics)

23
Total Loans
balance_sheet
Value: $546.21M
Peer Avg: $435.95M
#23 of 169 Top 13.0% in 500M-750M tier
32
Loan-to-Member Ratio (LMR)
engagement
Value: $14,315
Peer Avg: $11,805
#32 of 169 Top 18.3% in 500M-750M tier
36
Loan-to-Share Ratio
balance_sheet
Value: 92.02%
Peer Avg: 81.02%
#36 of 169 Top 20.7% in 500M-750M tier
39
Total Assets
balance_sheet
Value: $699.30M
Peer Avg: $622.38M
#39 of 169 Top 22.5% in 500M-750M tier
42
Average Member Relationship (AMR)
engagement
Value: $29,873
Peer Avg: $26,482
#42 of 169 Top 24.3% in 500M-750M tier
42
Total Deposits
balance_sheet
Value: $593.61M
Peer Avg: $538.02M
#42 of 169 Top 24.3% in 500M-750M tier

Top Weaknesses (10 metrics)

167
Deposit Growth Rate
growth
Value: -11.50%
Peer Avg: 5.25%
#167 of 169 Bottom 1.8% in 500M-750M tier
166
Asset Growth Rate
growth
Value: -11.31%
Peer Avg: 4.33%
#166 of 169 Bottom 2.4% in 500M-750M tier
166
Net Worth Ratio
risk
Value: 7.46%
Peer Avg: 10.94%
#166 of 169 Bottom 2.4% in 500M-750M tier
164
Member Growth Rate
growth
Value: -7.15%
Peer Avg: 1.75%
#164 of 169 Bottom 3.6% in 500M-750M tier
163
First Mortgage Concentration (%)
balance_sheet
Value: 62.34%
Peer Avg: 33.53%
#163 of 169 Bottom 4.1% in 500M-750M tier
162
Loan Growth Rate
growth
Value: -10.21%
Peer Avg: 4.04%
#162 of 169 Bottom 4.7% in 500M-750M tier
151
AMR Growth Rate
growth
Value: -4.03%
Peer Avg: 3.12%
#151 of 169 Bottom 11.2% in 500M-750M tier
148
Members Per Employee (MPE)
engagement
Value: 243.032
Peer Avg: 338.010
#148 of 169 Bottom 13.0% in 500M-750M tier
146
Efficiency Ratio
profitability
Value: 88.14%
Peer Avg: 78.10%
#146 of 169 Bottom 14.2% in 500M-750M tier
143
Return on Assets (ROA)
profitability
Value: 0.21%
Peer Avg: 0.66%
#143 of 169 Bottom 16.0% in 500M-750M tier