PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Superior Municipal Employees

Superior, WI · Charter 67237

NCUA · 1 branch

Q2 2026

$3.0MAssets
$2.5MLoans
$2.4MShares
$502KNet 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 0.15%, 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.

Financial Results

Return on Assets (quarter, annualized)

0.15%+20 bps YoY

Net Interest Margin (quarter, annualized)

4.11%+14 bps YoY

Efficiency Ratio (quarter, annualized)

96.61%-331 bps YoY

Net Worth / Assets

16.50%-1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.06%0.10%0.00%0.10%0.15%+20 bps
Return on Equity-0.35%0.64%0.02%0.58%0.89%+124 bps
Net Interest Margin3.97%3.97%3.97%4.19%4.11%+14 bps
Efficiency Ratio99.93%97.08%99.22%96.49%96.61%-331 bps
Growth
Asset Growth (YoY)-0.40%1.04%-3.35%-2.86%0.71%+111 bps
Loan Growth (YoY)-4.46%-7.33%-9.14%-4.89%-1.01%+345 bps
Share Growth (YoY)-0.96%0.67%-4.66%-4.44%-0.29%+67 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.43%0.43%0.46%0.49%0.46%+3 bps
Capital
Risk-Based Capital16.51%16.19%16.50%16.61%16.50%-1 bps
Net Worth / Assets16.51%16.19%16.50%16.61%16.50%-1 bps
Liquidity & Funding
Loans / Shares103.54%96.87%99.36%100.73%102.79%-75 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps