Superior Choice Credit Union is a federally insured state-chartered credit union headquartered in Superior, Wisconsin, in business for about 94 years. At the end of Q2 2026 it reported $730.3M in total assets and $626.2M in member shares and deposits, with 4 offices.
Based on its Q2 2026 filing, Superior Choice Credit Union scores 56/100, which we describe as moderate. That is higher than only 13% of 1,341 credit unions with $100 million – $1 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 89th. Its strongest component is problem-loan coverage (89/100; 5.6%), and its lowest is capital cushion (25/100; 7.54%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (48 → 56), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 41 |
| Q3 2024 | 40 |
| Q4 2024 | 39 |
| Q1 2025 | 40 |
| Q2 2025 | 48 |
| Q3 2025 | 53 |
| Q4 2025 | 54 |
| Q1 2026 | 56 |
| Q2 2026 | 56 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.35% |
| Q3 2024 | 7.72% |
| Q4 2024 | 7.35% |
| Q1 2025 | 7.09% |
| Q2 2025 | 7.26% |
| Q3 2025 | 7.46% |
| Q4 2025 | 7.43% |
| Q1 2026 | 7.44% |
| Q2 2026 | 7.54% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 1.27% |
| Q4 2024 | 1.24% |
| Q1 2025 | 1.12% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.54% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.57% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.94% |
| Q3 2024 | -0.56% |
| Q4 2024 | -0.98% |
| Q1 2025 | -0.94% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.21% |
| Q4 2025 | 0.31% |
| Q1 2026 | 0.38% |
| Q2 2026 | 0.48% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $730.3M | 7.54% | 0.57% | 0.48% | 80.8% |
| Q1 2026 | 56 | $725.8M | 7.44% | 0.42% | 0.38% | 82.7% |
| Q4 2025 | 54 | $717.6M | 7.43% | 0.54% | 0.31% | 86.6% |
| Q3 2025 | 53 | $699.3M | 7.46% | 0.52% | 0.21% | 92.0% |
| Q2 2025 | 48 | $705.1M | 7.26% | 0.71% | 0.02% | 94.0% |
| Q1 2025 | 40 | $736.3M | 7.09% | 1.12% | -0.94% | 92.4% |
| Q4 2024 | 39 | $769.8M | 7.35% | 1.24% | -0.98% | 90.1% |
| Q3 2024 | 40 | $788.5M | 7.72% | 1.27% | -0.56% | 90.7% |
| Q2 2024 | 41 | $820.4M | 7.35% | 1.06% | -0.94% | 95.1% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kohler Credit UnionCredit union Sheboygan, WI | 71 out of 100, Strong | $776.4M | 10.8% | 0.32% | vs |
| Heartland Credit UnionCredit union Madison, WI | 74 out of 100, Strong | $666.8M | 11.7% | 0.42% | vs |
| Co-Op Credit UnionCredit union Black River Fal, WI | 70 out of 100, Strong | $626.8M | 11.6% | 0.80% | vs |
| Simplicity Credit UnionCredit union Marshfield, WI | 57 out of 100, Moderate | $546.7M | 9.8% | 1.22% | vs |
| Pcm Credit UnionCredit union Green Bay, WI | 68 out of 100, Moderate | $514.6M | 10.5% | 0.61% | vs |
| Blackhawk Community Credit UnionCredit union Janesville, WI | 68 out of 100, Moderate | $947.3M | 10.8% | 0.63% | vs |
Deposit insurance
Is my money safe at Superior Choice Credit Union?
Yes. Superior Choice Credit Union is a federally insured credit union (NCUA charter #67173). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 5.0% of shares and deposits ($31.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 7.54%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Superior Choice Credit Union lists 4 offices in 3 cities. Most locations:
- Superior, WI (2)
- Ashland, WI (1)
- Mellen, WI (1)
HMDA 2025
Mortgage lending
In 2025, Superior Choice Credit Union reported 578 home-loan applications under HMDA (LEI 5493008BSTI0PQR0IL08): 386 originated ($47,160,000 total), 118 denied, and 61 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Superior Choice Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67173
- RSSD ID
- 595793
- Primary regulator
- State + NCUA
- Established
- 1932
- Headquarters
- 2817 Tower Avenue, Superior, WI 54880
- Employees
- 154
Quick answers
Superior Choice Credit Union: common questions
Is Superior Choice Credit Union NCUA insured?
Yes. Superior Choice Credit Union is a federally insured credit union (NCUA charter #67173). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Superior Choice Credit Union's TellerScore?
56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Superior Choice Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Superior
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Duluth Police Department Employees Credit UnionCredit union Duluth, MN | 91 out of 100, Very strong | $7.8M | 22.8% | 0.41% | vs |
| Indianhead Credit UnionCredit union Spooner, WI | 86 out of 100, Very strong | $101.2M | 15.0% | 0.78% | vs |
| Centricity Credit UnionCredit union Hermantown, MN | 85 out of 100, Very strong | $340.5M | 14.0% | 0.79% | vs |
| Superior Municipal Employees Credit UnionCredit union Superior, WI | 79 out of 100, Strong | $3.0M | 16.5% | 0.00% | vs |
| Chippewa Valley BankBank Hayward, WI | 74 out of 100, Strong | $735.8M | 8.7% | 0.22% | vs |
| Superior Savings BankBank Superior, WI | 74 out of 100, Strong | $98.8M | 16.3% | 1.15% | vs |