State credit union · LIMA, Ohio · NCUA charter #68665
Superior Credit Union, Inc
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $1.87B
- Total assets
- 100,675
- Members
- 13.8%
- Net-worth ratio
Superior Credit Union, Inc - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68665: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Superior Credit Union, Inc - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth44
- Liquidity (loan-to-share)100
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.75% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.75% | 30% |
| Delinquency Rate | 0.07% | 25% |
| Return on Assets | 1.23% | 15% |
| Member Growth | -1.34% | 15% |
| Loan-to-Share Ratio | 76.71% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.87B | 100,675 |
| 2024Q4 | $1.70B | 102,038 |
| 2023Q4 | $1.65B | 101,684 |
Credit Union Details
- Charter Number
- 68665
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Ohio
- City
- LIMA
- Data Quarter
- 2025Q4
What This Data Says About Superior Credit Union, Inc
The five-factor composite scores Superior Credit Union, Inc at 92/100 (Excellent), reflecting a net worth ratio of 13.75% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in LIMA, Ohio, reports 100,675 members, $1.87B in total assets, and $1.21B in outstanding loans as of Q4 2025 under charter #68665 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.07% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. The loan-to-share ratio of 76.71% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.23% on net income of $22.9M 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 -1.34%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
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, Inc financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Superior Credit Union, Inc carries a financial health score of 92/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.75% net worth ratio and a 0.07% delinquency rate.
How does Superior Credit Union, Inc compare to other credit unions?
PlainCU's health composite puts Superior Credit Union, Inc at 92/100, compared to a peer group average for Over $500M 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, Inc?
Membership eligibility for Superior Credit Union, Inc 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, Inc directly for current membership requirements and application steps.
Is my money safe at Superior Credit Union, Inc?
Federal credit unions like Superior Credit Union, Inc 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, Inc's net worth ratio of 13.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Superior Credit Union, Inc offer compared to banks?
Credit unions like Superior Credit Union, Inc 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, Inc 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.