Superior Credit Union Inc Lima, Ohio
Superior Credit Union Inc is a state-chartered credit union headquartered in Lima, OH, established in 1954 (NCUA charter 68665), and it is regulated and insured by the NCUA. At Q2 2026 it reported 101,536 members and total assets of $1.96B (up 10.6% from Q2 2025), the 5th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 15.20% at Q2 2026, in the well capitalized band.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68665
- Headquarters
- Lima, OH
- Established
- 1954
- Total assets, Q2 2026
- $1.96B
- Assets vs Q2 2025
- +10.6%
- Members, Q2 2026
- 101,536
- Net worth ratio, Q2 2026
- 15.20%
- Latest call report
- Q2 2026, NCUA 5300 · Superior Credit Union Inc call report
- Asset rank in state
- 5th of 191 in Ohio
- Routing number
- 241279616
- Branches
- 26
It has 1,089 fewer members than on June 30, 2025 (-1.1%). Its net worth ratio was up 0.40 percentage points from 14.80% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $927.3M of $1.26B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.20% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 15.20% net worth ratio is above that band's 10.89% median.
Credit unions merged into Superior Credit Union Inc
HTM Area Credit Union (2023) · CCC Van Wert Credit Union, Inc. (2020) · Great Lakes Credit Union, Inc. (2019) · Co-Op Toledo Credit Union, Inc. (2018) · Classic Federal Credit Union (2018) · Cinco Family Financial Center Credit Union (2017) · First Choice Credit Union Inc (2017) · Saint Marys Parish Ottoville Federal Credit Union (2015)
Frequently asked about Superior Credit Union Inc
How big is Superior Credit Union Inc?
At Q2 2026 it reported total assets of $1.96B and 101,536 members.
Where is Superior Credit Union Inc headquartered?
It is headquartered in Lima, OH, United States.
When was Superior Credit Union Inc founded?
It was established in 1954, per NCUA records.
Is Superior Credit Union Inc FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68665): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Superior Credit Union Inc?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Superior Credit Union Inc well capitalized?
Its net worth ratio was 15.20% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Superior Credit Union Inc's delinquency ratio?
Its delinquency ratio was 0.20% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Superior Credit Union Inc's loan-to-share ratio?
Its loan-to-share ratio was 76.50% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Lima, OH 45807
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 68665
- RSSD ID
- 958585
- Members
- 101,536
- Potential members
- 5,166,349
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 15.20% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 2.07% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 13.63% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.08% | 3.45% | 27th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 55.13% | 70.59% | over 90th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.66% | 1.68% | 52nd above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.20% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.75% | 5.12% | 27th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 76.50% | 88.03% | 23rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.96B total assets against $1.78B; $1.65B total shares and deposits against $1.51B; $1.26B total loans against $1.14B.
$298.6M net worth against $262.9M.
15.20% net worth ratio against 14.80%.
76.50% loan-to-share ratio against 75.87%.
0.20% delinquency ratio against 0.06%.
2.07% return on assets against 1.73%; 13.63% return on equity against 11.69%.
3.08% net interest margin against 2.92%.
101,536 members against 102,625.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.20% | 2.07% | 0.20% | 76.50% |
| March 31, 2026 | 14.98% | 1.64% | 0.11% | 76.31% |
| December 31, 2025 | 15.03% | 2.01% | 0.07% | 76.71% |
| September 30, 2025 | 15.00% | 1.87% | 0.08% | 76.55% |
| June 30, 2025 | 14.80% | 1.73% | 0.06% | 75.87% |
| March 31, 2025 | 14.48% | 1.31% | 0.08% | 73.75% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.