Credit union
Superior Credit Union, Inc
Lima, Ohio, Allen County, OH
$2.0B in total assets and 101,536 members, the 270th largest of 4,298 US credit unions and 5th of 157 headquartered in Ohio.
- NCUA charter
- 68665
- Charter
- State chartered (OH)
- Chartered
- 1954
- NCUA insured since
- 1971
- Low-income designation
- Yes
- Website
- http://www.superiorcu.com
Earlier filings under Superior Federal Credit Union (charter 9845), before a charter conversion, are included in the history below.
At a glance
Compared with 445 US federally insured credit unions with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.0B | 45% | $2.1B | |
| Loans | $1.3B | 43% | $1.5B | |
| Deposits (shares) | $1.6B | 46% | $1.8B | |
| Members | 101,536 | 44% | 118,683 | |
| Return on assets | 1.89% | 98% | 0.82% | |
| Net interest income to assets | 3.09% | 29% | 3.42% | |
| Efficiency ratio | 57.1% | 7% | 71.8% | |
| Net worth ratio | 15.20% | 92% | 10.86% | |
| Loans to shares | 77% | 22% | 88% | |
| Cost of deposits | 1.99% | 67% | 1.78% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 12.4% a year over 10 years and 7.3% a year over the last 5, including 7 mergers in the last 10 years. Membership grew 0.6% a year over 5 years, to 101,536.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Feb 2023 | HTM Area Credit Union Credit union, Troy, OH | $30M |
| Sep 2020 | CCC Van Wert Credit Union Credit union, Van Wert, OH | $551K |
| Feb 2019 | Great Lakes Credit Union Credit union, Sylvania, OH | $23M |
| Aug 2018 | Co-op Toledo Credit Union Credit union, Maumee, OH | $10M |
| May 2018 | Classic Federal Credit Union Credit union, Amelia, OH | $41M |
| Nov 2017 | Cinco Family Financial Center Credit Union Credit union, Cincinnati, OH | $114M |
| Jun 2017 | First Choice Credit Union Credit union, Coldwater, OH | $18M |
| Sep 2015 | St. Marys Parish Ottoville Federal Credit Union Credit union, Ottoville, OH | $125K |
| May 2012 | Utelco Credit Union Credit union, Lima, OH | $4M |
Where they operate
26 branches in 12 counties.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Allen County, OH | 9 | 21.4% | 1 of 15 |
| Auglaize County, OH | 3 | 15.0% | 3 of 12 |
| Hamilton County, OH | 3 | 1.1% | 20 of 54 |
| Lucas County, OH | 2 | 1.4% | 20 of 37 |
| Seneca County, OH | 2 | 8.0% | 2 of 16 |
| Brown County, OH | 1 | 6.2% | 5 of 8 |
| Clermont County, OH | 1 | 1.9% | 12 of 26 |
| Defiance County, OH | 1 | 5.0% | 6 of 13 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 14 | |
| 2017 | 17 | +3 |
| 2018 | 20 | +3 |
| 2019 | 25 | +5 |
| 2020 | 26 | +1 |
| 2021 | 26 | 0 |
| 2022 | 27 | +1 |
| 2023 | 27 | 0 |
| 2024 | 27 | 0 |
| 2025 | 26 | −1 |
| Jun 2026 | 26 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.20% | 0.69% |
| Net worth ratio | 15.20% | 10.86% |
| Loans to shares | 77% | 88% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Ohio
Most branches in Allen County, OH
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.