BlastPoint's Credit Union Scorecard
SUPERIOR MUNICIPAL EMPLOYEES
Charter #67237 · WI
SUPERIOR MUNICIPAL EMPLOYEES has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.09% above tier average
- + 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 5.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Efficiency ratio 15.69% above tier (higher cost structure)
- - Member decline: -2.0% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
527
-2.0% YoY-0.8% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Bottom 14.6% in tier |
| Assets |
$3.1M
+1.0% YoY+2.6% QoQ
|
$-26.8M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.3% in tier |
| Loans |
$2.4M
-7.3% YoY-3.9% QoQ
|
$-13.4M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$2.5M
+0.7% YoY+2.7% QoQ
|
$-23.0M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.7% in tier |
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| ROA |
0.1%
-47.5% YoY-283.6% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
4.0%
+3.7% YoY+2.8% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
97.1%
+1.6% YoY-2.8% QoQ
|
+15.7% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 13.6% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
96.9%
-7.9% YoY-6.4% QoQ
|
+35.6% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Top 5.9% in tier |
| AMR |
$9,320
-1.4% YoY+0.1% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration |
31.4%
+21.9% YoY-35.3% QoQ
|
+6.9% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
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)