# SUPERIOR CREDIT UNION
Collegeville, PA · NCUA charter 60215 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/superior-credit-union-60215

Who the members are: state charter, organized 1956. 6,233 members of 877,643 potential (0.7% of the field); checking penetration 86% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $66.1M |
| Members | 6,233 (-3.5% YoY) |
| Full-time staff | 18 |
| Net worth | $4.4M |
| Net worth ratio | 6.7% (p1 of band) |
| ROA (annualized) | 0.65% (p46 of band) |
| Total delinquency | 0.21% (p20 of band) |
| Net charge-offs (annualized) | 0.63% (p77 of band) |
| Loans / shares | 69% (p66 of band) |
| Cash / assets | 15.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.92% (p64 of band) |
| Operating expense / assets | 5.00% (p88 of band) |
| Vehicles % of loans | 15% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 17% |
| Third-party paper % of net worth | 25% (p71 of band) |
| Vehicle delinquency | 1.20% (p75 of band) |
| Vehicle NCO | 0.03% (p37 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 67% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 83% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 16% |
| Average share balance | $3,540 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.2M |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $18,756 |
| Loans granted, annualized | $7.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.2M outstanding purchased (50.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -9.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | charge-offs p90 |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | assets shrinking | delinquency 2x band |
| 2017-12 | 3 | delinquency 2x band |  |
| 2018-03 | 2 |  | delinquency 2x band |
| 2018-06 | 4 | delinquency 2x band, members leaving |  |
| 2018-09 | 1 |  | thin capital, assets shrinking, delinquency 2x band |
| 2018-12 | 2 | delinquency 2x band |  |
| 2019-03 | 4 | thin capital, delinquency rising |  |
| 2019-06 | 1 |  | members leaving, thin capital, delinquency rising |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 3 | thin capital, net worth falling, losing money | delinquency 2x band, delinquency rising |
| 2020-03 | 3 | delinquency 2x band | losing money |
| 2020-06 | 5 | losing money, margin squeeze |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 4 |  | losing money |
| 2021-03 | 7 | capital below 7%, delinquency rising |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze, capital below 7%, delinquency rising |
| 2021-09 | 3 | members leaving |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 6 | capital below 7%, net worth falling |  |
| 2022-06 | 3 |  | capital below 7%, net worth falling |
| 2022-09 | 2 |  | members leaving |
| 2022-12 | 2 | assets shrinking | delinquency 2x band |
| 2023-03 | 4 | expense trap, delinquency 2x band |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 2 |  | assets shrinking, delinquency 2x band |
| 2023-12 | 3 | assets shrinking |  |
| 2024-03 | 3 | losing money | assets shrinking |
| 2024-06 | 3 | net worth falling | losing money |
| 2024-09 | 3 | assets shrinking | net worth falling |
| 2024-12 | 6 | capital below 7%, losing money |  |
| 2025-03 | 4 | net worth falling | expense trap, assets shrinking, losing money |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 2 | expense trap | capital below 7% |
| 2025-12 | 4 | capital below 7%, members leaving | expense trap |
| 2026-03 | 5 | assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-03 [UnitedOne CEO Kim Rooney reflects on her legacy as retirement nears - Herald Times Reporter](https://news.google.com/rss/articles/CBMiogFBVV95cUxNOFVBczJQalkyRlJ3b2JjMVJfQ3h5RVZLTTU3amo3Rlc1eGlOelI0ZjNCbnhRUVF6c2NfbUZzZnJVTEdCS2M4UGZyTXZvdGJhMWFBRjYwWWo4cExMdEttY0I3a1J3X0pBWno3X3A2NnhUOHJKRnBteUg1UWdBd0NDWFMwSzJTMnk0Z2UxN2ppUlRTTnFsM09OM2VvbWFDamw1VXc?oc=5) · Herald Times Reporter
- 2021-11-18 [2021 Crystal Performance Awards Show Pandemic Resilience Among Credit Unions - Fiserv](https://news.google.com/rss/articles/CBMixAFBVV95cUxNX3pLYXJNeWI0ck0wTnJNcElTbVU2ZzB1VF9zVEJ5YlFKelQ1dE84VE1nU2ZydXU0Y3ZVZENybXpFQjNSY3VKN2RHODE1OXl1dDRzUUNzQmo3N1diNWR4YnFILXlhWE1jcVJ4N3cwWGh5bWNBQkRmNVJHaWttSHYwMkIyUUFNTTlPUUFWc3RhLVRvaHF1VkQ5UFVxVGZtUWJEd0lXNUJQbXhDYnpKRXZqVnVMSnVieEM5NkowRTZXRjU2NVdW?oc=5) · Fiserv
- 2025-10-25 [The Honorable Ronald R. Gagnon Obituary Nov 6, 2018 - Avery-Storti Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiekFVX3lxTE9COWE1TDV2emFzaHVDSzVsX3YzTkYtZFN3TThvdXlxVnF6eDNLc0JKcHZoWVdHLVVMTUlXMVRrT1pFeGY2LWVEdXVORF85R1lrSm04VTJlT1JjTVVNOF9hVDhKSWs1X1QzbE10ZEdIeE5qdGVYX25Gb3dn?oc=5) · Avery-Storti Funeral Home & Crematory
- 2024-06-20 [Diamond Credit Union Selects Upstart for Personal Lending - Business Wire](https://news.google.com/rss/articles/CBMitAFBVV95cUxOR3lOeGE2UEVfamJHLUQydjJtTUE3OEw3YjVtRVdzbmlvbi1Zem45LWtUN293ZF9KOHNGbm10NllQU2s4U1NWcTFsOXk2eV9RZk53aW1FQ0RrZHlrcFgzMnQwWTZsbkVWZEdzMmdGWFJnYmZXaGNCMVNrY1ZpRnBKbHI3aTdXTUFrMFBWemtmSVZKYXNGY2stNVFybU9oZk9uVzZVRDFFX0VYN3NER3ZSQWR1Ukc?oc=5) · Business Wire
- 2026-06-25 [OnlyFans Scam Run By NJ Man Bilked $100K From Victim, Prosecutor Says - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxOQW5YQ0Z6UGQ1WUJxeXFYTExlSkFUX2NZcjBYYnJtTTZZT2QteVRSakZkU19hc04zZHpIVkZaZ0NzeUg5ZDlabEFtYUsybE0tSGt3TFJGVGNXcjVHa05KYjRnSWdnck9WcDJSbGc1amM1VDRNVFVoRTJnUXVwU3BydTNvWFkwX1QyWTFJaEZEU256Q1JVdlNfRFU3bVowZHpwSGFr?oc=5) · Patch
- 2023-12-01 [This New Checking Account Pays an Amazing 7.23%—No Debit Purchases Needed - Investopedia](https://news.google.com/rss/articles/CBMitAFBVV95cUxOWjdmU1o2b21Va3Etd1NMNEpETkc0Nzlic1RBME1nNXdMUTZWdzFMQ3U1Mnl4SEstNUNGYW1fejB2b21pQXdiX1IxTUtlNDBxQjF1b3dXX29KUXFXWl9yVklCNEJwUzNqam9YbmlPUWt1Nm1HYm1IbEpLRUtaTDk0Smd4SjcxVjliZ25lTUxlb0pPSzBVWGtrS3YtdkVaZXJranBlaklpd3B1cTdYd2JEcjhnSC0?oc=5) · Investopedia
- 2025-08-12 [Girls’ high school scoring leaders for 2025 – Sponsored by Superior Credit Union - PhillyLacrosse.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNeUNjODg2YUhKZDNzTmxjcDl1TEt4UW5WNnJlQzZvQWxaR1NQaHlWbU9YMl9WY2dwYW5BaGt1SGNMMnNOUmJtYWVYSGpOTnkyMTExZkg4RUdDTDhidzYtVG80Zng0WTVOWjFFdDUxSXpOZDA2c2M3dnE5Zlp0Y3puMA?oc=5) · PhillyLacrosse.com
- 2017-02-07 [Valor Federal Credit Union Members Vote to Merge with PenFed - PR Newswire](https://news.google.com/rss/articles/CBMitwFBVV95cUxQenVHcU1IeWJFNE5MSGdGeWlwdlhmYzBNZkJYUXBBd2lRRlFRa2ljUF8tOWZCOU9YWFI2QzAwaUFyQ0lndG15a2wwd1YwNU1SbFJWd244N1dlSzJsWEJmMVR5NlVOMUN0d1pOWWRveGpZNFVLRTd3VWxqQmRQeEhMQ3JCckQ1SFAwSXJOdnM5eFR2bWl5NGd4dUltWnlKU1I5VG13Q3RCa1F0Z0p1U0dKUnlEUlMteDg?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60215 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/55.json (key "60215", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=60215
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide