Credit Union Safety Analysis
Is Superior Municipal Employees Credit Union Safe? Superior, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Superior Municipal Employees Credit Union has a net worth ratio of 16.50%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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 Municipal Employees Credit Union's net worth ratio is 16.50%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.50%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 0.20%
- Loan-to-share ratio (Q2 2026): 102.79%
Superior Municipal Employees Credit Union (NCUA charter 67237, established 1979) reported $3.0M in assets and 529 members for Q2 2026 from Superior, Wisconsin. It ranks 91 of 98 credit unions in Wisconsin by total assets. Total assets grew 0.7% from $3.0M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 16.61% for Q1 2026; 16.51% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.10% for Q1 2026; 0.11% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 100.73% for Q1 2026; 103.54% for Q2 2025.
Loans by type, Q2 2026
- Other secured non-real estate loans and lines of credit: $1.1M
- Used vehicle loans: $1.0M
- New vehicle loans: $242K
- Other unsecured loans and lines of credit: $119K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.0M | 16.50% | — | 0.20% | 102.79% |
| March 31, 2026 | $3.0M | 16.61% | — | 0.10% | 100.73% |
| December 31, 2025 | $3.0M | 16.50% | — | -0.30% | 99.36% |
| September 30, 2025 | $3.1M | 16.19% | — | 0.42% | 96.87% |
| June 30, 2025 | $3.0M | 16.51% | — | 0.11% | 103.54% |
| March 31, 2025 | $3.1M | 16.05% | 0.07% | -0.22% | 101.22% |
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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 Municipal Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 67237) · FFIEC NIC profile (RSSD 1219667)
Frequently asked questions
Is Superior Municipal Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Superior Municipal Employees Credit Union's net worth ratio is 16.50%, above the 7% NCUA threshold for well capitalized.
Is Superior Municipal Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Superior Municipal Employees Credit Union is a federally insured credit union (NCUA charter 67237): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Superior Municipal Employees Credit Union's key safety ratios?
For Q2 2026, Superior Municipal Employees Credit Union reports net worth 16.50%, delinquency not reported, ROA 0.20%, loan-to-share 102.79%.
What happens to my money if Superior Municipal Employees Credit Union fails?
For Q2 2026, Superior Municipal Employees Credit Union held $2.4M in shares and deposits for 529 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.