BlastPoint's Credit Union Scorecard
SUPERIOR MUNICIPAL EMPLOYEES
Charter #67237 · WI
SUPERIOR MUNICIPAL EMPLOYEES has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 4.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency ratio 16.66% above tier (higher cost structure)
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
525
-2.4% YoY-0.4% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Bottom 14.3% in tier |
| Assets |
$3.0M
-3.3% YoY-2.3% QoQ
|
$-27.1M |
$30.1M
+2.1% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.8% in tier |
| Loans |
$2.4M
-9.1% YoY-0.2% QoQ
|
$-13.4M |
$15.8M
-1.3% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$2.4M
-4.7% YoY-2.7% QoQ
|
$-23.3M |
$25.7M
+1.4% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.5% in tier |
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| ROA |
0.0%
-96.1% YoY-96.7% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
3.9%
+3.5% YoY-2.6% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
99.2%
+1.7% YoY+2.2% QoQ
|
+16.7% |
82.6%
-2.3% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
Top 12.0% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
99.4%
-4.7% YoY+2.6% QoQ
|
+38.7% |
60.6%
-3.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
Top 4.5% in tier |
| AMR |
$9,217
-4.6% YoY-1.1% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
21.4%
-24.5% YoY-31.9% QoQ
|
-3.1% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 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)