TellerScore

Superior Municipal Employees Credit Union is a federally insured state-chartered credit union headquartered in Superior, Wisconsin, in business for about 38 years. At the end of Q2 2026 it reported $3.0M in total assets and $2.4M in member shares and deposits, with 1 office.

Superior Municipal Employees Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 98 credit unions headquartered in Wisconsin, it ranks 33rd. Capital cushion contributes the most (100/100, 16.50%); earnings contributes the least (26/100, 0.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.50%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings26/100
Return on assets (annualized): 0.15%
Funding & liquidity57/100
Loans ÷ shares: 102.8% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 2 points (77 → 79), mostly because the earnings component improved by 8 points.

TellerScore
757779Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202479
Q4 202478
Q1 202575
Q2 202577
Q3 202579
Q4 202578
Q1 202679
Q2 202679
Net worth ratio
7.00%11.80%16.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.41%
Q3 202416.34%
Q4 202415.94%
Q1 202516.05%
Q2 202516.51%
Q3 202516.19%
Q4 202516.50%
Q1 202616.61%
Q2 202616.50%
Delinquent loans (60+ days)
0.00%0.03%0.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.07%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-0.22%-0.01%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.05%
Q3 20240.20%
Q4 20240.09%
Q1 2025-0.22%
Q2 2025-0.06%
Q3 20250.10%
Q4 20250.00%
Q1 20260.10%
Q2 20260.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$3.0M16.50%0.00%0.15%102.8%
Q1 202679$3.0M16.61%0.00%0.10%100.7%
Q4 202578$3.0M16.50%0.00%0.00%99.4%
Q3 202579$3.1M16.19%0.00%0.10%96.9%
Q2 202577$3.0M16.51%0.00%-0.06%103.5%
Q1 202575$3.1M16.05%0.07%-0.22%101.2%
Q4 202478$3.1M15.94%0.00%0.09%104.3%
Q3 202479$3.1M16.34%0.00%0.20%105.2%
Q2 202477$3.0M16.41%0.00%0.05%107.3%

2,479 peers · Under $100 million in assets

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 ratio16.50%
63rd
Problem loans0.00%
94th
Net charge-offs-0.01%
87th
Return on assets0.15%
25th
Loans to deposits102.8%
2nd
Uninsured deposits0.0%
81st
Loan-loss reserves0.46%
77th
Texas ratio0.0%
93rd

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Lco Federal Credit UnionCredit union Hayward, WI85 out of 100, Very strong$2.9M13.7%0.32%vs
Wisconsin Latvian, Inc. Credit UnionCredit union Milwaukee, WI69 out of 100, Moderate$3.2M9.8%0.00%vs
School Employees Credit UnionCredit union Superior, WI87 out of 100, Very strong$2.4M16.5%0.00%vs
Air Tech Credit UnionCredit union Milwaukee, WI85 out of 100, Very strong$2.1M27.6%0.00%vs
1st Class Express Credit UnionCredit union Waukesha, WI86 out of 100, Very strong$2.1M22.9%0.30%vs
Stoppenbach Credit UnionCredit union Jefferson, WI45 out of 100, Below average$1.8M21.2%6.11%vs

Deposit insurance

Is my money safe at Superior Municipal Employees Credit Union?

Yes. Superior Municipal Employees Credit Union is a federally insured credit union (NCUA charter #67237). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 16.50%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Superior Municipal Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Superior Municipal Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67237
RSSD ID
1219667
Primary regulator
State + NCUA
Established
1988
Headquarters
1316 N 14th St, Suite 205, Superior, WI 54880
Employees
2

Quick answers

Superior Municipal Employees Credit Union: common questions

Is Superior Municipal Employees Credit Union NCUA insured?

Yes. Superior Municipal Employees Credit Union is a federally insured credit union (NCUA charter #67237). 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 Municipal Employees Credit Union's TellerScore?

79 out of 100 (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 Municipal Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Superior

InstitutionScoreAssetsCapitalProblem loansCompare
Duluth Police Department Employees Credit UnionCredit union Duluth, MN91 out of 100, Very strong$7.8M22.8%0.41%vs
Indianhead Credit UnionCredit union Spooner, WI86 out of 100, Very strong$101.2M15.0%0.78%vs
Centricity Credit UnionCredit union Hermantown, MN85 out of 100, Very strong$340.5M14.0%0.79%vs
Chippewa Valley BankBank Hayward, WI74 out of 100, Strong$735.8M8.7%0.22%vs
Superior Savings BankBank Superior, WI74 out of 100, Strong$98.8M16.3%1.15%vs
North Shore Federal Credit UnionCredit union Silver Bay, MN74 out of 100, Strong$284.8M12.8%0.33%vs