SUPERIOR CHOICE
Charter #67173 · Superior, WI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.44% sits at the 3rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 90.46% sits at the 85th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 31st — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SUPERIOR CHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $725.80M | 52th pct | 39th pct |
| Members | 37,252 | 39th pct | 39th pct |
| Net worth ratio | 7.44% | 2th pct | 3th pct |
| Return on average assets | 0.39% | 26th pct | 34th pct |
| Net interest margin | 3.06% | 23th pct | 38th pct |
| Cost of funds | 1.89% | 77th pct | 61th pct |
| Loan-to-share | 82.67% | 52th pct | 31th pct |
| Delinquency 60+ days | 0.42% | 34th pct | 30th pct |
| Net charge-off ratio | 0.33% | 42th pct | 54th pct |
| Loan growth YoY | -5.58% | 2th pct | 0th pct |
| Share growth YoY | 5.10% | 69th pct | 75th pct |
| Efficiency ratio | 90.46% | 92th pct | 85th pct |
structural peer set hash: cd66f8ea26028cddc9dc3fde9c58165c… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.