PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Superior Credit Union

Collegeville, PA · Charter 60215

NCUA · 3 branches

Q2 2026

$65.4MAssets
$42.3MLoans
$62.3MShares
$4.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.70%, down 27 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 1.66% of loans (+150 bps YoY).
  • Capital: net worth / assets of 6.96%, up 57 bps from a year ago.
  • Funding: loans stand at 67.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%-27 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+3 bps YoY

Efficiency Ratio (YTD, annualized)

79.49%-903 bps YoY

Net Worth / Assets

6.96%+57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.97%0.76%0.65%0.70%-27 bps
Return on Equity15.25%13.64%11.34%9.74%10.05%-520 bps
Net Interest Margin3.92%4.26%4.14%3.92%3.95%+3 bps
Efficiency Ratio88.53%86.37%86.08%82.28%79.49%-903 bps
Growth
Asset Growth (YoY)3.56%-2.48%2.37%-8.09%-3.68%-725 bps
Loan Growth (YoY)-9.22%-9.19%-8.50%-9.95%-9.24%-2 bps
Share Growth (YoY)4.27%-1.29%3.48%-9.36%-2.72%-699 bps
Asset Quality
Delinquent Loans / Loans0.15%0.20%0.12%0.21%1.66%+150 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital6.39%7.09%6.67%6.71%6.96%+57 bps
Net Worth / Assets6.39%7.09%6.67%6.71%6.96%+57 bps
Liquidity & Funding
Loans / Shares72.67%75.94%72.15%69.16%67.80%-486 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps