Credit Union Safety Analysis
Is Superior Credit Union Inc Safe? Lima, Ohio
Based on its Q2 2026 NCUA 5300 call report, Superior Credit Union Inc has a net worth ratio of 15.20%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.20%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Superior Credit Union Inc's net worth ratio is 15.20%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.20%
- Delinquency ratio (60+ days) (Q2 2026): 0.20%
- Return on assets (Q2 2026): 2.07%
- Loan-to-share ratio (Q2 2026): 76.50%
Superior Credit Union Inc (NCUA charter 68665, established 1954) reported $1.96B in assets and 101,536 members for Q2 2026 from Lima, Ohio. It ranks 5 of 191 credit unions in Ohio by total assets. Total assets grew 10.6% from $1.78B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 14.98% for Q1 2026; 14.80% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.11% for Q1 2026; 0.06% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.64% for Q1 2026; 1.73% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 76.31% for Q1 2026; 75.87% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $927.3M
- Commercial loans: $183.6M
- Used vehicle loans: $79.1M
- New vehicle loans: $52.2M
- Unsecured credit card loans: $9.7M
- Other secured non-real estate loans and lines of credit: $6.7M
- Other unsecured loans and lines of credit: $2.3M
- Non-federally guaranteed student loans: $447K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.96B | 15.20% | 0.20% | 2.07% | 76.50% |
| March 31, 2026 | $1.93B | 14.98% | 0.11% | 1.64% | 76.31% |
| December 31, 2025 | $1.87B | 15.03% | 0.07% | 2.01% | 76.71% |
| September 30, 2025 | $1.81B | 15.00% | 0.08% | 1.87% | 76.55% |
| June 30, 2025 | $1.78B | 14.80% | 0.06% | 1.73% | 75.87% |
| March 31, 2025 | $1.76B | 14.48% | 0.08% | 1.31% | 73.75% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Superior Credit Union Inc profile
Regulator records: NCUA credit union profile (charter 68665) · FFIEC NIC profile (RSSD 958585)
Frequently asked questions
Is Superior Credit Union Inc well capitalized?
On its Q2 2026 NCUA 5300 call report, Superior Credit Union Inc's net worth ratio is 15.20%, above the 7% NCUA threshold for well capitalized.
Is Superior Credit Union Inc FDIC insured?
No. The FDIC insures banks, not credit unions. Superior Credit Union Inc is a federally insured credit union (NCUA charter 68665): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Superior Credit Union Inc's key safety ratios?
For Q2 2026, Superior Credit Union Inc reports net worth 15.20%, delinquency 0.20%, ROA 2.07%, loan-to-share 76.50%.
What happens to my money if Superior Credit Union Inc fails?
For Q2 2026, Superior Credit Union Inc held $1.65B in shares and deposits for 101,536 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.