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Letter portraitLegal landscapeQuarterYTD

Superior Credit Union, Inc.

Lima, OH · Charter 68665

NCUA · 27 branches

Q2 2026

$2.0BAssets
$1.3BLoans
$1.6BShares
$298.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.84%, up 33 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.20% of loans (+14 bps YoY).
  • Capital: net worth / assets of 15.20%, up 40 bps from a year ago.
  • Funding: loans stand at 76.50% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.84%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+18 bps YoY

Efficiency Ratio (YTD, annualized)

57.08%-582 bps YoY

Net Worth / Assets

15.20%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.35%1.31%1.51%1.61%1.67%1.64%1.84%+33 bps
Return on Equity8.88%9.16%9.03%10.22%10.76%11.14%10.98%12.12%+189 bps
Net Interest Margin2.28%2.51%2.77%2.83%2.86%2.84%2.99%3.01%+18 bps
Efficiency Ratio64.74%63.21%65.28%62.90%61.21%59.45%59.34%57.08%-582 bps
Growth
Asset Growth (YoY)17.44%2.84%4.54%3.40%0.98%9.77%9.22%10.59%+719 bps
Loan Growth (YoY)8.76%7.93%9.33%11.11%8.86%11.60%12.27%10.25%-86 bps
Share Growth (YoY)8.75%9.32%9.88%8.70%7.85%8.80%8.51%9.33%+63 bps
Asset Quality
Delinquent Loans / Loans0.06%0.07%0.08%0.06%0.08%0.07%0.11%0.20%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.57%14.68%14.48%14.80%15.01%15.03%14.98%15.20%+40 bps
Net Worth / Assets13.57%14.68%14.48%14.80%15.01%15.03%14.98%15.20%+40 bps
Liquidity & Funding
Loans / Shares75.84%74.78%73.75%75.87%76.55%76.71%76.31%76.50%+64 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps