State credit union · Superior, Wisconsin · NCUA charter #67173
Superior Choice
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $717.6M
- Total assets
- 37,618
- Members
- 7.4%
- Net-worth ratio
Superior Choice scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $717.6M; members 37,618; net-worth ratio 7.44%; health rank #3,968 of 4,374; healthier than 9th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,968 of 4,374 health · 2025Q4Superior Choice · health 63/100 · $717.6M · 2025Q4
Call Report peers
Superior Choice in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Superior Choice vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Superior Choice sits in 60-64 with 179 others.
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Superior Choice diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 86.60% vs peer 83.90% (+2.70 pp).
- Net Worth Ratio trails the peer set - 7.44% here, 11.18% peer average (-3.74 pp).
Superior Choice: in-state Call Report ranks
- Wisconsin health ordinal: #95 of 100.
- Assets rank #18 of 100 inside Wisconsin ($717.6M reported).
- Wisconsin membership ordinal: #18 of 100.
- One place up in Wisconsin, AVESTAR (#94) scores 65/100, 2 points higher; one place down, BREWERY (#96) scores 62/100, 1 point lower.
Quarter path for Superior Choice
Superior Choice: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $717.6M (2025Q4) to $725.8M (2026Q1).
- Net-worth ratio shifted +0.01 pp (7.43% → 7.44%).
At 7.44%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 63/100 score is built
Superior Choice gives up 37 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 23.6 pts
- Delinquency Rate 24.6 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.8 pts
Superior Choice health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.44% | -3.74 pp |
| Delinquency Rate | 0.54% | -0.33 pp |
| Return on Assets | -1.05% | -1.56 pp |
| Member Growth | -5.55% | - |
| Loan-to-Share Ratio | 86.60% | +2.70 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Superior Choice
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $725.8M | - |
| 2025Q4 | $717.6M | 37,618 |
| 2024Q4 | $769.8M | 39,829 |
| 2023Q4 | $804.1M | 41,987 |
Credit Union Details
- Charter Number
- 67173
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Wisconsin
- City
- Superior
- Data Quarter
- 2025Q4
Branch Locations (12)
Per its most recent NCUA branch filing, Superior Choice runs 12 offices in 11 different cities across 2 states.
| Office | City |
|---|---|
| Tower Avenue Branch (Main Office) | Superior, WI |
| Ashland Branch | Ashland, WI |
| Cable | Cable, WI |
| Denfeld Branch | Duluth, MN |
| Eau Claire | Eau Claire, WI |
| Gilman Branch | Gilman, WI |
| Grand Rapids | Grand Rapids, MN |
| Hayward | Hayward, WI |
| Ladysmith Branch | Ladysmith, WI |
| Mellen Branch | Mellen, WI |
| Rice Lake | Rice Lake, WI |
| East End Branch | Superior, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Other-state peers near Superior Choice
Using this data
- Superior Choice ranks #3,968 of 4,374 nationally on financial health and #95 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- KOHLER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with KOHLER
Frequently Asked Questions
Is Superior Choice financially healthy?
On its 2025Q4 NCUA 5300 filing, Superior Choice scores 63/100 (Good), with a 7.44% net worth ratio and 0.54% of loans delinquent. It ranks #3,968 of 4,374 nationally on health and #95 of 100 in Wisconsin.
How does Superior Choice compare to other credit unions?
Superior Choice scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (86.60% vs 83.90%). Its widest shortfall is net worth ratio (7.44% vs 11.18%).
How can I join Superior Choice?
Membership eligibility for Superior Choice depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Superior Choice directly for current membership requirements and application steps.
Is my money safe at Superior Choice?
Superior Choice is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Superior Choice's net worth ratio of 7.44% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.