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
- ROA 63/100
- ASSETS 7.4%
- MEM 0.54%
- RANK -1.05%
- PHOTO $717.6M
- BOOK 37,618
- CHARTER #3,968/4,374
- NCUSIF Coosa Valley
- CAMELS 67173
Call Report peers
Superior Choice in the assets neighbourhood
Superior Choice's $717.6M assets sit next to Coosa Valley ($716.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Superior Choice - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67173: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Superior Choice
Superior Choice: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $717.6M (2025Q4) to $725.8M (2026Q1).
- Net-worth ratio shifted +0.01 pp (7.43% → 7.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Superior Choice - kept outside Wisconsin; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($717.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Superior Choice financially healthy?
A 7.44% net worth ratio and a 0.54% delinquency rate feed into Superior Choice's financial health score of 63/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,968 of 4,374; by total assets it ranks #603 of 4,374 nationally (same basis as /rankings/largest); and #18 of 100 within Wisconsin. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Superior Choice compare to other credit unions?
On PlainCU's health composite, Superior Choice lands at 63/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Superior Choice are 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."
What rates does Superior Choice offer compared to banks?
Credit unions like Superior Choice are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Superior Choice directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.