State credit union · Collegeville, Pennsylvania · NCUA charter #60215
Superior Credit Union
Health score 67/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $64.8M
- Total assets
- 6,287
- Members
- 6.7%
- Net-worth ratio
Superior Credit Union - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60215 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Superior Credit Union - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)67
- Asset quality (delinquency)100
- Earnings (ROA)26
- Member growth21
- Liquidity (loan-to-share)100
Weighted composite: 67/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 6.67%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.67% | 30% |
| Delinquency Rate | 0.12% | 25% |
| Return on Assets | -0.07% | 15% |
| Member Growth | -3.23% | 15% |
| Loan-to-Share Ratio | 72.15% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $64.8M | 6,287 |
| 2024Q4 | $63.3M | 6,497 |
| 2023Q4 | $65.7M | 6,581 |
Credit Union Details
- Charter Number
- 60215
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- Collegeville
- Data Quarter
- 2025Q4
What This Data Says About Superior Credit Union
6,287 members and $64.8M in total assets sit behind Superior Credit Union, a state credit union in Collegeville, Pennsylvania, which posts a health score of 67/100 (Good) on the five-factor composite, with $44.7M in outstanding loans as of Q4 2025 and a net worth ratio of 6.67% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #60215 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
0.12% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 72.15% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.07% on net income of $-48242 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.23%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Superior Credit Union financially healthy?
Superior Credit Union scores 67/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 6.67% net worth ratio and a 0.12% delinquency rate.
How does Superior Credit Union compare to other credit unions?
PlainCU's health composite puts Superior Credit Union at 67/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Credit Union?
Membership eligibility for Superior Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Superior Credit Union directly for current membership requirements and application steps.
Is my money safe at Superior Credit Union?
Federal credit unions like Superior Credit Union 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 Credit Union's net worth ratio of 6.67% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Superior Credit Union offer compared to banks?
Credit unions like Superior Credit Union 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 Credit Union directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.