TellerScore

Headquartered in Lima, Ohio, Superior Credit Union, Inc is a federally insured state-chartered credit union with $2.0B in total assets and $1.6B in member shares and deposits as of Q2 2026. It operates 23 offices. Its charter dates back to 1954.

Superior Credit Union, Inc has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 454 credit unions with $1 billion – $10 billion. Among 192 credit unions headquartered in Ohio, it ranks 5th. Capital cushion contributes the most (100/100, 15.20%); funding & liquidity contributes the least (84/100, 77% loans-to-deposits, 8% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.20%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.20%
Earnings94/100
Return on assets (annualized): 1.84%
Funding & liquidity84/100
Loans ÷ shares: 76.5% · 8.4% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.94%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (93 → 94).

TellerScore
869094Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202486
Q4 202491
Q1 202590
Q2 202593
Q3 202594
Q4 202594
Q1 202694
Q2 202694
Net worth ratio
7.00%11.10%15.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.76%
Q3 202413.57%
Q4 202414.67%
Q1 202514.48%
Q2 202514.80%
Q3 202515.00%
Q4 202515.03%
Q1 202614.98%
Q2 202615.20%
Delinquent loans (60+ days)
0.06%0.13%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.11%
Q3 20240.06%
Q4 20240.07%
Q1 20250.08%
Q2 20250.06%
Q3 20250.08%
Q4 20250.07%
Q1 20260.11%
Q2 20260.20%
Return on assets
1.12%1.48%1.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.12%
Q3 20241.20%
Q4 20241.35%
Q1 20251.31%
Q2 20251.51%
Q3 20251.61%
Q4 20251.67%
Q1 20261.64%
Q2 20261.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$2.0B15.20%0.20%1.84%76.5%
Q1 202694$1.9B14.98%0.11%1.64%76.3%
Q4 202594$1.9B15.03%0.07%1.67%76.7%
Q3 202594$1.8B15.00%0.08%1.61%76.6%
Q2 202593$1.8B14.80%0.06%1.51%75.9%
Q1 202590$1.8B14.48%0.08%1.31%73.7%
Q4 202491$1.7B14.67%0.07%1.35%74.8%
Q3 202486$1.8B13.57%0.06%1.20%75.8%
Q2 202486$1.7B13.76%0.11%1.12%74.2%

454 peers · $1 billion – $10 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).

Capital ratio15.20%
92nd
Problem loans0.20%
96th
Net charge-offs0.02%
99th
Return on assets1.84%
98th
Loans to deposits76.5%
78th
Uninsured deposits8.4%
57th
Loan-loss reserves0.00%
50th
Texas ratio0.9%
96th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Seven Seventeen Credit UnionCredit union Warren, OH64 out of 100, Moderate$2.2B12.5%1.26%vs
Kemba Credit UnionCredit union West Chester, OH65 out of 100, Moderate$1.7B11.7%0.85%vs
Kemba Financial Credit UnionCredit union Gahanna, OH74 out of 100, Strong$2.5B12.6%0.58%vs
Directions Credit UnionCredit union Toledo, OH68 out of 100, Moderate$1.4B9.7%0.37%vs
Telhio Credit UnionCredit union Columbus, OH44 out of 100, Below average$1.4B9.7%2.01%vs
General Electric Credit UnionCredit union Cincinnati, OH54 out of 100, Below average$4.2B8.5%0.70%vs

Deposit insurance

Is my money safe at Superior Credit Union, Inc?

Yes. Superior Credit Union, Inc is a federally insured credit union (NCUA charter #68665). 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 8.4% of shares and deposits ($138.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 15.20%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

23 locations

Branches

Superior Credit Union, Inc lists 23 offices in 13 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Superior Credit Union, Inc
Type
Federally insured state-chartered credit union
NCUA charter #
68665
RSSD ID
958585
Primary regulator
State + NCUA
Established
1954
Headquarters
4230 Elida Rd, Lima, OH 45807
Employees
280

Quick answers

Superior Credit Union, Inc: common questions

Is Superior Credit Union, Inc NCUA insured?

Yes. Superior Credit Union, Inc is a federally insured credit union (NCUA charter #68665). 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 Credit Union, Inc's TellerScore?

94 out of 100 (Very strong), 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 Credit Union, Inc have?

23 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lima

InstitutionScoreAssetsCapitalProblem loansCompare
The Ottoville Bank CompanyBank Ottoville, OH95 out of 100, Very strong$93.8M21.4%0.00%vs
The Peoples Bank Co.Bank Coldwater, OH85 out of 100, Very strong$859.2M11.9%0.13%vs
Minster BankBank Minster, OH79 out of 100, Strong$811.6M10.1%0.14%vs
First National Bank in New BremenBank New Bremen, OH78 out of 100, Strong$467.1M10.8%0.17%vs
Three Rivers Federal Credit UnionCredit union Fort Wayne, IN78 out of 100, Strong$2.9B13.9%1.47%vs
Mercer Savings BankBank Celina, OH78 out of 100, Strong$176.2M13.2%0.08%vs