SUPERIOR CREDIT UNION, INC

Charter #68665 | OH

1B-3B (304 CUs) Mid-Market (380 CUs)
6 1B-3B in OH

SUPERIOR CREDIT UNION, INC has 7 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 7.6% in tier
  • + Relationship Depth Leader: Top 10.0% in tier
  • + ROA 0.92% above tier average
  • + Total Delinquency Rate (60+ days): Top 1.0% in tier
  • + Net Charge-Off Rate: Top 1.6% in tier
  • + Net Worth Ratio: Top 7.9% in tier
  • + Efficiency Ratio: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 5.9% in tier
  • - Growth-at-Risk: Bottom 21.2% in tier
  • - Credit Quality Pressure: Bottom 25.0% in tier
  • - First Mortgage Concentration (%): Bottom 3.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 102,628
+0.4% YoY+0.0% QoQ
 +3.9K 98,678
-1.9% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 60th in tier
Assets $1.8B
+1.0% YoY+1.8% QoQ
 +$88.8M $1.7B
+0.5% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 63rd in tier
Loans $1.2B
+8.9% YoY+2.1% QoQ
 $-65.3M $1.2B
+0.5% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 57th in tier
Deposits $1.5B
+7.8% YoY+1.2% QoQ
 +$71.1M $1.5B
+1.3% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 62nd in tier
ROA 1.6%
+32.4% YoY+7.2% QoQ
 +0.9% 0.7%
+13.4% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 Top 3.9% in tier
NIM 2.9%
+24.3% YoY+1.6% QoQ
 -0.4% 3.3%
+9.3% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 Bottom 23.4% in tier
Efficiency Ratio 61.2%
-5.4% YoY-2.7% QoQ
 -12.8% 74.0%
-10.9% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 Bottom 9.2% in tier
Delinquency Rate 0.1%
+30.9% YoY+43.2% QoQ
 -0.7 0.8%
+6.1% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 Bottom 1.0% in tier
Loan To Share 76.6%
+0.9% YoY+0.9% QoQ
 -8.6% 85.2%
-0.8% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 Bottom 24.3% in tier
AMR $26,242
+7.9% YoY+1.5% QoQ
 $-3K $29,172
+2.8% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 42nd in tier
CD Concentration 20.4%
+11.5% YoY+3.0% QoQ
 -8.6% 29.0%
+0.8% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 Bottom 15.3% in tier
Indirect Auto % 7.4%
-18.3% YoY-8.2% QoQ
 -11.4% 18.8%
-2.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 29th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#56 of 264 • Top 7.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.88%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#73 of 264 • Top 10.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.88%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (3)

Liquidity Overhang

risk
#20 of 113 • Bottom 5.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.00%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 76.55%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Growth-at-Risk

risk
#119 of 161 • Bottom 21.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 8.86%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.02% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk
#192 of 217 • Bottom 25.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | New qualifier

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 304 peers in tier

Top Strengths (8 metrics)

4
Total Delinquency Rate (60+ days)
risk
Value: 0.08%
Peer Avg: 0.83%
#4 of 304 Top 1.0% in 1B-3B tier
6
Net Charge-Off Rate
risk
Value: 0.04%
Peer Avg: 0.60%
#6 of 304 Top 1.6% in 1B-3B tier
12
Return on Assets (ROA)
profitability
Value: 1.63%
Peer Avg: 0.70%
#12 of 304 Top 3.6% in 1B-3B tier
25
Net Worth Ratio
risk
Value: 15.00%
Peer Avg: 11.44%
#25 of 304 Top 7.9% in 1B-3B tier
29
Efficiency Ratio
profitability
Value: 61.21%
Peer Avg: 73.97%
#29 of 304 Top 9.2% in 1B-3B tier
47
AMR Growth Rate
growth
Value: 7.88%
Peer Avg: 3.29%
#47 of 304 Top 15.1% in 1B-3B tier
51
Share Certificate Concentration (%)
balance_sheet
Value: 20.42%
Peer Avg: 28.53%
#51 of 304 Top 16.4% in 1B-3B tier
74
Deposit Growth Rate
growth
Value: 7.85%
Peer Avg: 5.58%
#74 of 304 Top 24.0% in 1B-3B tier

Top Weaknesses (3 metrics)

294
First Mortgage Concentration (%)
balance_sheet
Value: 63.78%
Peer Avg: 34.01%
#294 of 304 Bottom 3.6% in 1B-3B tier
233
Net Interest Margin (NIM)
profitability
Value: 2.89%
Peer Avg: 3.26%
#233 of 304 Bottom 23.7% in 1B-3B tier
230
Loan-to-Share Ratio
balance_sheet
Value: 76.55%
Peer Avg: 85.19%
#230 of 304 Bottom 24.7% in 1B-3B tier