Applications / Mortgage Analytics / Lenders / Pennsylvania / Superior Credit Union
Collegeville, PA · Credit union · NCUA · $64.8 million assets · 41 loans in 2025
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41
loans originated, 2025
62
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Superior Credit Union, a small lender near Philadelphia, mostly makes home-improvement loans, and more than half of them go to low- and moderate-income borrowers.
Home improvement made up 58.5% of its 41 loans in 2025. Refinances took 19.5%, other purposes 17.1% and home purchases only 4.9%. All its loans were conventional. Its typical loan, $85,000, was a little smaller than the $95,000 of similar lenders (credit unions making between half and twice as many loans).
Low- and moderate-income (LMI) borrowers took 56.1% of its loans, against 31.5% for similar lenders. That is higher than at about nineteen in twenty of them. LMI neighborhoods took 29.3%, against 17.4%, higher than at about four in five.
Its typical rate was 8.24%, against 6.75% for similar lenders, higher than at nearly all of them. Its mix, weighted toward improvement and other-purpose loans rather than home purchases, is a plausible reason. Its higher-priced share, 4.9%, was close to the peers' 3.2%.
It made 41 loans, down 11% from 46, while similar lenders grew by 3%. Its lending has fallen from 123 loans in 2021 and 95 in 2023. The figures do not say whether that reflects fewer applications or a choice to lend less. Its largest market is the Philadelphia metro, where it has lent since 1994.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Superior Credit Union took 62 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 58.5% · Refinance 19.5% · Other 17.1% · Purchase 4.9%
Conventional 100.0% · of 41 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 40 | 97.6% |
| New Jersey | 1 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 33 |
| Reading | 5 |
| Camden | 1 |
| Harrisburg-Carlisle | 1 |
| Philadelphia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900Q8CQK28JPFK147 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 628598 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560215 | 1994–2017 |
Established 1 January 1956. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Superior Credit Union's data.
Superior Credit Union's data
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Superior Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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