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Superior Municipal Employees

Superior, WI · Charter 67237

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Duluth, MN-WI area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Duluth, MN-WI area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

69

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

6

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

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 Municipal Employees

Superior, WI · Charter 67237

NCUA · 1 branch

Q2 2026

$3.0MAssets
$2.5MLoans
$2.4MShares
$502KNet Worth

Executive Summary

  • Earnings: ROA of 0.15%, up 20 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.50%, down 1 bps from a year ago.
  • Funding: loans stand at 102.79% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.15%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.11%+14 bps YoY

Efficiency Ratio (YTD, annualized)

96.61%-331 bps YoY

Net Worth / Assets

16.50%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.09%-0.22%-0.06%0.10%0.00%0.10%0.15%+20 bps
Return on Equity1.21%0.55%-1.37%-0.35%0.64%0.02%0.58%0.89%+124 bps
Net Interest Margin3.86%3.75%3.93%3.97%3.97%3.97%4.19%4.11%+14 bps
Efficiency Ratio95.53%97.59%101.52%99.93%97.08%99.22%96.49%96.61%-331 bps
Growth
Asset Growth (YoY)3.95%6.03%-2.70%-0.40%1.04%-3.35%-2.86%0.71%+111 bps
Loan Growth (YoY)1.83%2.93%-2.63%-4.46%-7.33%-9.14%-4.89%-1.01%+345 bps
Share Growth (YoY)6.59%6.66%-3.97%-0.96%0.67%-4.66%-4.44%-0.29%+67 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.07%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.42%0.43%0.50%0.43%0.43%0.46%0.49%0.46%+3 bps
Capital
Risk-Based Capital16.34%15.94%16.05%16.51%16.19%16.50%16.61%16.50%-1 bps
Net Worth / Assets16.34%15.94%16.05%16.51%16.19%16.50%16.61%16.50%-1 bps
Liquidity & Funding
Loans / Shares105.24%104.26%101.22%103.54%96.87%99.36%100.73%102.79%-75 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Superior Municipal Employees

Superior, WI · Charter 67237 · Peer group: credit unions under $1B in assets in the Duluth, MN-WI area (n=16)

NCUA · 1 branch

Q2 2026

$3.0MAssets
$2.5MLoans
$2.4MShares
$502KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 2 of 16).
  • Widest gap: return on equity trails 100% of credit unions under $1B in assets in the Duluth, MN-WI area (rank 16 of 16).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.13%

Rank 16 of 16

Net Interest Margin

4.07%

Rank 12 of 16

Efficiency Ratio

97.22%

Rank 16 of 16

Equity / Assets

16.50%

Rank 5 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.13%0.85%1.44%2.05%Beats 0%16 / 16
Return on Equity0.80%6.27%10.66%13.40%Beats 0%16 / 16
Net Interest Margin4.07%4.07%4.17%4.88%Beats 25%12 / 16
Efficiency Ratio97.22%63.01%70.37%80.78%Beats 6%16 / 16
Asset Quality
Nonperforming Loans / Loans0.00%0.32%0.86%1.92%Beats 100%2 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.50%13.43%14.66%16.97%Beats 69%5 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets16.50%13.43%14.66%16.97%Beats 69%5 / 16
Liquidity & Funding
Loans / Deposits102.77%67.52%85.26%93.00%94th pctl1 / 16
Loans / Assets81.79%52.10%73.80%79.04%88th pctl2 / 16
Brokered Deposits / Depositsn/aNot reported for this institution