BlastPoint's Credit Union Scorecard

SUPERIOR CREDIT UNION, INC

Charter #68665 · OH

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 6 in OH

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SUPERIOR CREDIT UNION, INC has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 9.4% in tier
+ ROA 1.04% above tier average
+ Net Charge-Off Rate: Top 2.0% in tier
+ Total Delinquency Rate (60+ days): Top 4.3% in tier
+ Efficiency Ratio: Top 4.7% in tier
+ AMR Growth Rate: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 23.7% in tier
- Credit Quality Pressure: Bottom 27.7% in tier
- Membership Headwinds: Bottom 79.6% in tier
- Stagnation Risk: Bottom 79.6% in tier
- First Mortgage Concentration (%): Bottom 4.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in Ohio.
Shares and deposits +9.3% year over year ($1.65B in shares and deposits).
Membership: 101,536 members, -1.1% vs a year ago.
Delinquency rate 0.20%.
Return on assets 1.86%.
Efficiency ratio 57.08% vs a 73.02% peer average.
Loan-to-share ratio 76.50% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	101,536 -1.1% YoY+0.5% QoQ	+4.7K	96,861 -1.9% YoY	18,978 +16.2% YoY	34,678 +6.6% YoY	63%
Assets	$2.0B +10.6% YoY+2.0% QoQ	+$239.8M	$1.7B +0.4% YoY	$292.1M +20.6% YoY	$593.1M +10.2% YoY	67%
Loans	$1.3B +10.2% YoY+1.9% QoQ	+$27.1M	$1.2B +0.7% YoY	$203.0M +21.8% YoY	$418.6M +10.1% YoY	62%
Deposits	$1.6B +9.3% YoY+1.6% QoQ	+$185.4M	$1.5B +0.5% YoY	$251.0M +21.0% YoY	$504.8M +10.3% YoY	67%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.9% +22.5% YoY+13.1% QoQ	+1.0%	0.8% +27.6% YoY	0.9% +55.0% YoY	1.2% +121.4% YoY	Top 2.0% in tier
NIM	3.0% +6.8% YoY+1.5% QoQ	-0.4%	3.4% +6.6% YoY	3.7% +2.2% YoY	3.8% +2.3% YoY	22%
Efficiency Ratio	57.1% -9.2% YoY-3.8% QoQ	-15.9%	73.0% -2.7% YoY	79.2% -2.1% YoY	83.0% -5.3% YoY	Top 4.7% in tier
Delinquency Rate	0.2% +231.6% YoY+76.6% QoQ	-0.7	0.9% +7.3% YoY	1.1% -6.2% YoY	1.3% +2.6% YoY	Top 4.3% in tier
Loan To Share	76.5% +0.8% YoY+0.3% QoQ	-8.2%	84.7% +0.1% YoY	60.7% -4.2% YoY	66.4% -1.4% YoY	22%
AMR	$28,661 +10.9% YoY+1.2% QoQ	$-914	$29,575 +1.5% YoY	$18,171 +7.2% YoY	$20,028 -0.9% YoY	54%
CD Concentration	21.7% +9.2% YoY+1.3% QoQ	-7.4%	29.1%	19.2%	20.0%	18%
Indirect Auto %	6.8% -14.9% YoY-2.9% QoQ	-11.3%	18.1%	11.9%	7.7%	30%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#35 of 125 • Top 9.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.90%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | Rank worsening

Concerns (4)

Credit Risk Growth

risk

#45 of 170 • Bottom 23.7% in tier

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

Why This Signature

Loan Growth (YoY): 10.25%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.14% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Credit Quality Pressure

risk

#103 of 215 • Bottom 27.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Membership Headwinds

decline

#77 of 86 • Bottom 79.6% in tier

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

Why This Signature

Member Growth (YoY): -1.06%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Stagnation Risk

risk

#86 of 86 • Bottom 79.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.06%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 10.25%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.20%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (11 metrics)

Return on Assets (ROA)

profitability

Value: 1.86%

Peer Median: 0.77%

#6 of 300 Top 1.7% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: 0.52%

#7 of 300 Top 2.0% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Median: 0.70%

#14 of 300 Top 4.3% in 1B-3B tier

Efficiency Ratio

profitability

Value: 57.08%

Peer Median: 73.62%

#15 of 300 Top 4.7% in 1B-3B tier

AMR Growth Rate

growth

Value: 10.90%

Peer Median: 3.19%

#30 of 300 Top 9.7% in 1B-3B tier

Net Worth Ratio

risk

Value: 15.20%

Peer Median: 10.91%

#32 of 300 Top 10.3% in 1B-3B tier

Asset Growth Rate

growth

Value: 10.59%

Peer Median: 5.21%

#42 of 300 Top 13.7% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.65%

Peer Median: 28.24%

#60 of 300 Top 19.7% in 1B-3B tier

Deposit Growth Rate

growth

Value: 9.33%

Peer Median: 4.79%

#61 of 300 Top 20.0% in 1B-3B tier

Fee Income Per Member

profitability

Value: $267.68

Peer Median: $204.73

#62 of 300 Top 20.3% in 1B-3B tier

Top Weaknesses (4 metrics)

288

First Mortgage Concentration (%)

balance_sheet

Value: 63.52%

Peer Median: 33.59%

#288 of 300 Bottom 4.3% in 1B-3B tier

234

Net Interest Margin (NIM)

profitability

Value: 3.04%

Peer Median: 3.46%

#234 of 300 Bottom 22.3% in 1B-3B tier

233

Member Growth Rate

growth

Value: -1.06%

Peer Median: 1.84%

#233 of 300 Bottom 22.7% in 1B-3B tier

233

Loan-to-Share Ratio

balance_sheet

Value: 76.50%

Peer Median: 87.07%

#233 of 300 Bottom 22.7% in 1B-3B tier