Superior Savings Credit Union

Superior Savings Credit Union is headquartered in Massillon and is the 146^th largest credit union in the state of Ohio. It is also the 3,266^th largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 7 employees and 2,667 members. Superior Savings Credit Union has a 5-star health rating.

Superior Savings Credit Union Checking Account Rates

Superior Savings Credit Union Savings Account Rates

Superior Savings Credit Union Money Market Rates

Superior Savings Credit Union CD Rates

Superior Savings Credit Union IRA Rates

Data for Q4 2011

Institution Statistics SUPERIOR SAVINGS NCUA # 63502 BankRate Report View Year Chartered 1968 Employees 7 Primary Regulator Assets and Liabilities Assets $24.09 million Loans $14.47 million Deposits $22.31 million Equity Capital $1.75 million Loan Loss Allowance $76,000 Unbacked Noncurrent Loans $120,000 Historic Data - December 2010 Assets $21.15 million Equity Capital $1.65 million Loan Loss Allowance $42,000 Unbacked Noncurrent Loans $201,000 Profit Margin - Quarterly Net Interest Margin 5.21% Return on Assets 0.67% Return on Equity 9.27% Interest Income $1.06 million Non-Interest Income $232,000

Institution Health Overall Score: 5 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 Savings Credit Union had $120,000 in non-current loans and owned real-estate with $1.82 million in equity and loan loss allowances on hand to cover it. This gives Superior Savings Credit Union a Texas Ratio of 6.58% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Superior Savings Credit Union decreased significantly from 11.85% as of December 31, 2010 to 6.58% as of December 31, 2011, resulting in a positive change of 44.46%.This indicates that the balance sheet and financial strength for Superior Savings Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Superior Savings Credit Union has increased its total deposits by $2.84 million, resulting in 14.61% 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 Savings 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 Savings Credit Union has $24.09 million in assets with $1.82 million in equity, resulting in a capitalization level of 7.57%, which is below average.

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