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Superior Savings

Massillon, OH · Charter 63502

NCUA · 2 branches

Q4 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Superior Savings

Massillon, OH · Charter 63502

NCUA · 2 branches

Q4 2022

$26.6MAssets
$9.6MLoans
$23.9MShares
$2.4MNet 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 -0.20%, down 40 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.66% of loans (+8 bps YoY).
  • Capital: net worth / assets of 9.14%, up 67 bps from a year ago.
  • Funding: loans stand at 40.15% of shares as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.20%-40 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+34 bps YoY

Efficiency Ratio (YTD, annualized)

105.22%+1,152 bps YoY

Net Worth / Assets

9.14%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.20%-0.23%-0.21%-0.19%-0.20%-40 bps
Return on Equity2.37%-2.71%-2.58%-2.33%-2.19%-457 bps
Net Interest Margin2.45%2.17%2.22%2.39%2.79%+34 bps
Efficiency Ratio93.70%107.86%106.91%105.79%105.22%+1,152 bps
Growth
Asset Growth (YoY)8.92%3.07%4.99%3.50%-10.60%-1,952 bps
Loan Growth (YoY)-19.35%-17.09%-7.49%2.53%12.39%+3,174 bps
Share Growth (YoY)9.50%3.11%5.22%3.59%-11.52%-2,102 bps
Asset Quality
Delinquent Loans / Loans0.57%0.68%0.81%1.02%0.66%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.85%1.84%1.54%1.35%1.27%-58 bps
Capital
Risk-Based Capital8.47%8.48%8.19%8.31%9.14%+67 bps
Net Worth / Assets8.47%8.48%8.19%8.31%9.14%+67 bps
Liquidity & Funding
Loans / Shares31.61%30.97%31.37%34.33%40.15%+854 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps