BlastPoint's Credit Union Scorecard
SUPERIOR CREDIT UNION, INC
Charter #68665 · OH
SUPERIOR CREDIT UNION, INC has 7 strengths but faces 5 concerns
How does the industry compare?
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How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 20.5% in tier
- + ROA 1.02% above tier average
- + Total Delinquency Rate (60+ days): Top 0.7% in tier
- + Net Charge-Off Rate: Top 1.7% in tier
- + Efficiency Ratio: Top 5.6% in tier
- + AMR Growth Rate: Top 7.0% in tier
- + Net Worth Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 68.1% in tier
- - Membership Headwinds: Bottom 78.6% in tier
- - Credit Quality Pressure: Bottom 99.0% in tier
- - Stagnation Risk: Bottom 100.0% in tier
- - First Mortgage Concentration (%): Bottom 4.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
100,675
-1.3% YoY-1.9% QoQ
|
+3.2K |
97,431
-2.4% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$1.9B
+9.8% YoY+3.2% QoQ
|
+$142.6M |
$1.7B
+0.9% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$1.2B
+11.6% YoY+3.3% QoQ
|
$-27.7M |
$1.2B
+0.5% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$1.6B
+8.8% YoY+3.1% QoQ
|
+$113.8M |
$1.5B
+0.9% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
63% |
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| ROA |
1.7%
+29.8% YoY+4.4% QoQ
|
+1.0% |
0.7%
+20.9% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Top 2.3% in tier |
| NIM |
2.9%
+18.0% YoY-0.2% QoQ
|
-0.4% |
3.3%
+9.2% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
59.4%
-6.0% YoY-2.9% QoQ
|
-14.6% |
74.1%
-9.5% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.6% in tier |
| Delinquency Rate |
0.1%
+8.3% YoY-13.0% QoQ
|
-0.8 |
0.9%
+6.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.7% in tier |
| Loan To Share |
76.7%
+2.6% YoY+0.2% QoQ
|
-8.1% |
84.8%
-0.8% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$27,611
+11.5% YoY+5.2% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
21.8%
+17.9% YoY+6.9% QoQ
|
-7.2% | 29.0% | 19.4% | 19.8% | 19% |
| Indirect Auto % |
4.4%
-50.3% YoY-40.8% QoQ
|
-14.0% | 18.3% | 11.2% | 7.8% | 23% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)