Superior Municipal Employees Credit Union Superior, Wisconsin
Superior Municipal Employees Credit Union is a state-chartered credit union headquartered in Superior, WI, established in 1979 (NCUA charter 67237), and it is regulated and insured by the NCUA. At Q2 2026 it reported 529 members and total assets of $3.0M (up 0.7% from Q2 2025), the 91st largest of 98 credit unions headquartered in Wisconsin. Its net worth ratio was 16.50% at Q2 2026, in the well capitalized band.
Also written as Superior Municipal Employees CU
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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
- 67237
- Headquarters
- Superior, WI
- Established
- 1979
- Total assets, Q2 2026
- $3.0M
- Assets vs Q2 2025
- +0.7%
- Members, Q2 2026
- 529
- Net worth ratio, Q2 2026
- 16.50%
- Latest call report
- Q2 2026, NCUA 5300 · Superior Municipal Employees Credit Union call report
- Asset rank in state
- 91st of 98 in Wisconsin
- Routing number
- 291880929
- Branches
- 1
It has 2 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was down 0.01 percentage points from 16.51% on June 30, 2025. Other secured non-real estate loans and lines of credit are its largest loan category, $1.1M of $2.5M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Wisconsin
Frequently asked about Superior Municipal Employees Credit Union
How big is Superior Municipal Employees Credit Union?
At Q2 2026 it reported total assets of $3.0M and 529 members.
Where is Superior Municipal Employees Credit Union headquartered?
It is headquartered in Superior, WI, United States.
When was Superior Municipal Employees Credit Union founded?
It was established in 1979, per NCUA records.
Is Superior Municipal Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67237): 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 Municipal Employees Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Superior Municipal Employees Credit Union well capitalized?
Its net worth ratio was 16.50% 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 Municipal Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 102.79% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Superior, WI 54880
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1979
- NCUA Charter #
- 67237
- RSSD ID
- 1219667
- Members
- 529
- Potential members
- 1,100
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 6 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.50% | 14.31% | 61st above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.20% | 0.72% | 27th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 1.20% | 4.74% | 26th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.07% | 3.93% | 56th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 96.74% | 79.83% | 19th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.45% | 0.78% | 18th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.53% | 4.70% | 79th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 102.79% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.0M total assets against $3.0M; $2.4M total shares and deposits against $2.4M; $2.5M total loans against $2.5M.
$502K net worth against $499K.
16.50% net worth ratio against 16.51%.
102.79% loan-to-share ratio against 103.54%.
0.20% return on assets against 0.11%; 1.20% return on equity against 0.67%.
4.07% net interest margin against 3.90%.
529 members against 531.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.50% | 0.20% | — | 102.79% |
| March 31, 2026 | 16.61% | 0.10% | — | 100.73% |
| December 31, 2025 | 16.50% | -0.30% | — | 99.36% |
| September 30, 2025 | 16.19% | 0.42% | — | 96.87% |
| June 30, 2025 | 16.51% | 0.11% | — | 103.54% |
| March 31, 2025 | 16.05% | -0.22% | 0.07% | 101.22% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.