Superior Credit Union

Superior Credit Union is headquartered in Collegeville and is the 116^st largest credit union in the state of Pennsylvania. It is also the 2,405^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 11 employees and 4,960 members. Superior Credit Union's savings rates are 25% higher than the national average, and it has a 4-star health rating.

Superior Credit Union Routing Number: 231380159

Superior Credit Union Checking Account Rates

Superior Credit Union Savings Account Rates

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Superior Credit Union CD Rates

Data for Q4 2011

Institution Statistics SUPERIOR CREDIT UNION NCUA # 60215 BankRate Report View Year Chartered 1956 Employees 11 Primary Regulator Assets and Liabilities Assets $44.21 million Loans $36.08 million Deposits $40.39 million Equity Capital $3.43 million Loan Loss Allowance $484,000 Unbacked Noncurrent Loans $972,000 Real Estate Owned $101,000 Historic Data - December 2010 Assets $40.38 million Equity Capital $3.23 million Loan Loss Allowance $408,000 Unbacked Noncurrent Loans $764,000 Real Estate Owned $94,000 Profit Margin - Quarterly Net Interest Margin 5.59% Return on Assets 1.05% Return on Equity 13.51% Interest Income $2.56 million Non-Interest Income $403,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Superior Credit Union had $1.07 million in non-current loans and owned real-estate with $3.91 million in equity and loan loss allowances on hand to cover it. This gives Superior Credit Union a Texas Ratio of 27.44% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Superior Credit Union held steady from 23.57% as of December 31, 2010 to 27.44% as of December 31, 2011, resulting in a negative change of 16.39%. This indicates that the balance sheet and financial strength for Superior Credit Union has held steady in recent periods. Deposit Growth In the past year, Superior Credit Union has increased its total deposits by $3.48 million, resulting in 9.42% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Superior Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Superior Credit Union has $44.21 million in assets with $3.91 million in equity, resulting in a capitalization level of 8.85%, which is average.

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