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2 – The Delphos Herald • Superior Grand Opening • September 2011

President, CEO Buell excited about new facility

Superior Federal Credit Union is find- ing ways to better serve its members. With the opening of the new branch in Delphos, President and CEO Phil Buell said the 2,500-plus Delphos-area members have more options than ever. “We are very excited to open the new branch in Delphos,” Buell said. “We had a small office that we were quickly outgrowing. Now members can drive up or come in and get the same great service they expect.” A cooperative, Superior is driven by its members. “Each member has a share so we are motivated to return money back to our members in lower fees and loan rates,” Buell said. “We also invest back into the communities we serve. It’s very important to be involved in our communities. There

2 – The Delphos Herald • Superior Grand Opening • September 2011 President, CEO Buell excited

are many times we work right beside our members on projects to help fill food pan- tries and meet other needs.” Superior also supports

local churches, the Salvation Army, the United Way and Relay for Life, to name a few. Buell said another perk to belonging to a credit union is the people who serve its customers are local. “When you come in to the office, the people behind the counters are familiar faces,” Buell added. “The management team are also local people who know the community because they live here.”

To benefit members even

more, Superior board mem-

Superior Federal Credit Union is a non- profit financial cooperative owned by its members. Membership eligibility is open to anyone who lives, works, worships, or attends school in Allen, Auglaize, Hardin, Mercer, Putnam, and Van Wert coun- ties. Unlike for-profit banks and finance companies, a credit union’s excess earn- ings are returned to members in the form of friendly service, low interest rates on loans, high yield savings and investment accounts, and low or no fee convenience services. You can enjoy the benefits of all these financial services with the reas- surance of knowing that your money is federally-insured through the National Credit Union Administration (NCUA). Superior had another successful cam- paign in 2010. Total membership grew by more than 1,000 members to now serve over 45,000 members in West Central Ohio. More than 6,000 members use The Mortgage Center at Superior as their first mortgage loan provider, making Superior the largest mortgage lender in Allen, Auglaize, Hardin, and Putnam counties. Accumulated, the credit union is manag- ing over a half billion dollars in mortgage loans for members. As the overall economy continues to

2 – The Delphos Herald • Superior Grand Opening • September 2011 President, CEO Buell excited

Buell

bers are volunteers. “Our board is made up of volunteers who are also members,” Buell said. “They also stay on the board. Some have been with us for more than 30 years.” Superior has 9 offices in Lima, Wapak, Ottawa and Delphos.

on your new Delphos office. It’s a great asset to our community!

Congratulations

GREGORY M. ANTALIS

ATTORNEY AT LAW

125 E. Third Street, Delphos, OH 45833

(419) 695-7050

slowly improve, Superior continues to be financially safe and sound. Delinquency remains low, capital is nearly double regulatory requirements at 14 percent, and profitability remains in the top 5 percent of credit unions in the country. Financially, Superior continues to be one of the best performing credit unions in the nation. As always, a conservative, well- balanced investment strategy is the funda- mental foundation of the credit union. The source of Superior’s financial strength is important to note. It comes from the fact that Superior Federal Credit Union is a member-owned cooperative. Because of this, they only make loans to people they know - members. Superior never engaged in the sub-prime lending that has caused the turmoil in the finan- cial markets today. They have always been a traditional lender and have not engaged in “exotic” loans or the risky investments. And Superior Federal Credit Union is all of these things without taking a single dime of taxpayer-funded govern- ment assistance. They have continually approached lending by taking a common sense approach, and most importantly, have always looked out for the member’s best interest.

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The Delphos Herald

419-695-0015

www.delphosherald.com

 
4511 Elida Road, P.O. Box 5246 Lima, OH 45802 419-227-0027 Toll Free: 1-800-521-7059 Auto • Residential

4511 Elida Road, P.O. Box 5246 Lima, OH 45802

Phone: 419-227-0027 Toll Free: 1-800-521-7059

Auto • Residential • Commercial

on your new location!

Congratulations

Superior Federal Credit

We’re proud to be part of this project. All Service, All Glass.

To Buying “The Key Or Selling” 940 E. FIFTH ST. DELPHOS 419-692-7773 Fax 419-692-7775 www.rsre.com
To Buying
“The Key
Or Selling”
940 E. FIFTH ST.
DELPHOS
419-692-7773
Fax 419-692-7775
www.rsre.com

We’d like to congratulate Superior Federal Credit Union on your new location in Delphos & we’re proud to be a part of it.

September 2011 • The Delphos Herald • Superior Grand Opening – 3

The Early Days

The roots of the Superior Federal Credit Union can be traced back to the Superior Coach Corporation. Superior Coach dates back to 1915, when The Garford Motor Truck Company of Elyria transferred its production operations to Lima. In 1925, The Superior Motor Coach Body Company introduced its first line of hearse and ambulance bodies. These pro- fessional cars were originally built on the Studebaker chassis. By 1936, the compa- ny had expanded to include hearse models on a Pontiac chassis. The first Superior Cadillac coaches were produced in 1938. The company’s name was changed to the Superior Coach Corporation in 1940. In October 1954, 20 employees of the Superior Coach Corporation signed a charter creating the Superior Coach Employees Federal Credit Union. The first office for the credit union was locat- ed in the Superior Coach plant on East Kibby Street in Lima. At the first meet- ing of the Board of Directors, held on December 1, 1954, Woodrow Allen was elected President and Fritz Edmistan was elected Treasurer. In 1972, Superior Coach Employees Federal Credit Union moved from its loca- tion inside the plant to a house purchased

across the street at 655 S. Collins. The Sheller-Globe Corporation of Toledo pur- chased the Superior Coach Corporation in 1969. By 1980, Sheller-Globe liq- uidated its Superior-related holdings despite being one of the “Big Six” school bus body manufacturing companies in the United States. Over-capacity among school bus manufacturers and the loss of ambulance business in the professional car sector were the chief reasons for the liquidation.

Superior Coach Closes; Lima Superior Federal Credit Union is Formed

Upon the closing of Superior Coach Corporation in 1981, the credit union had about 2,500 members and $4.5 million in assets. Directors lobbied the National Credit Union Administration (NCUA) and obtained a community charter – the first community charter granted in the United States to a city with more than 50,000 residents. At that time, community char- ters had only been granted to communi- ties of 25,000 or less. The treasurer of the board at that time, Bruce Campbell, suc- cessfully lobbied and received letters of support from the 40 local businesses that

September 2011 • The Delphos Herald • Superior Grand Opening – 3 The Early Days The

the NCUA required. Helping their cause was the closing of another local com- pany, Clark Equipment Company, and its employee credit union, Circle Diamond Credit Union (with 1,000 members and $1 million in assets). This credit union merged with Superior Coach Employees Credit Union to form a community- chartered credit union, Lima Superior Community Federal Credit Union. The new credit union’s field of membership

had been extended to all residents of Lima. In 1981, St. Rita’s Medical Center – and Lima Memorial Hospital in 1982 - agreed to allow employees to have payroll deductions to the credit union. In 1984, the Local 908 Teamsters Credit Union, with no one to continue managing it, merged with Lima Superior. In 1985, Randall Graphite FCU and Duff FCU merged with Lima Superior.

www.raabeford.com Congratulations to Superior Federal Credit Union on the Grand Opening of your new location in

www.raabeford.com

Congratulations

to Superior Federal Credit Union on the Grand Opening of your new location in Delphos!

We are proud of our long association with Superior Federal Credit Union and look forward to working

with them in their new offices.

Proudly Serving The Area Since 1922! The Area’s Only Dual Ford/Lincoln Dealer! 2002, 2005, 2007, 2008

Proudly Serving The Area Since 1922!

The Area’s Only Dual Ford/Lincoln Dealer!

2002, 2005, 2007, 2008
2002, 2005, 2007, 2008
Proudly Serving The Area Since 1922! The Area’s Only Dual Ford/Lincoln Dealer! 2002, 2005, 2007, 2008
www.raabeford.com Congratulations to Superior Federal Credit Union on the Grand Opening of your new location in
www.raabeford.com Congratulations to Superior Federal Credit Union on the Grand Opening of your new location in
www.raabeford.com Congratulations to Superior Federal Credit Union on the Grand Opening of your new location in
www.raabeford.com Congratulations to Superior Federal Credit Union on the Grand Opening of your new location in
www.raabeford.com Congratulations to Superior Federal Credit Union on the Grand Opening of your new location in

419-692-0055

11260 Elida Rd. Delphos

Sales: Mon. 8:00am-8pm; Tues.-Fri. 8am-6pm; Sat. 9am-2:30pm SERVICE•PARTS•BODY SHOP: Mon. 7:30am.-8pm.; Tues. -Fri. 7:30am .- 6pm.; Sat 9-2

4 – The Delphos Herald • Superior Grand Opening • September 2011

Ron Schnipke and the staff of Schnipke Builders are proud to be a part of the
Ron Schnipke
and the staff of
Schnipke
Builders
are proud to be a part of
the newest Superior Federal
Credit Union in Delphos.
SCHNIPKE BUILDERS
P.O. Box 62 • Glandorf, OH
419-538-6401

Also in 1985, the current office on Kibby Street was built at a cost of $425,000 and credit union operations were moved there from the house on South Collins Street. In late 1985, employees of the Metokote Corporation became a sponsor of the credit union, allowing employees to have payroll deductions to Lima Superior. In November 1985, the credit union improved the speed of the loan approval process by having the credit union’s employee loan officers begin making loan decisions. Prior to then, all loan decisions had been made by the three-person volunteer Credit Committee. Procter & Gamble employees were added to the growing field of member- ship in 1988. In 1989, B&O Railroad Employees FCU merged with Lima Superior. Employees of Lost Creek Care Center joined the field of membership later in the year.

Expansion in the 1990s

In the 1990s, Allen County town- ships began to be added to the field of membership, one by one. American, Bath, and Perry Townships were added in 1990, Shawnee Township in 1991, and the remaining townships – Amanda, Auglaize, Jackson, Monroe, Richland, Spencer and Sugarcreek – in 1994. In 1991, Lima Superior opened their second branch, 1571 Allentown Road, in an old McDonald’s restaurant build- ing. Employees still affectionately refer to the Allentown Road office as the “McBranch”. Superior Forge & Steel and Plus Health Care employees were added to the field of membership in 1993. Also in 1993, Lima Superior placed their first “offsite” ATM in the lobby of St. Rita’s Medical Center. Lima Superior’s third office, a drive- thru only located on North West Street, was opened in 1994. This purchase was made possible by the merger of Diamond Savings & Loan of Lima with the Bank One corporation. Habion FCU, which served the employees of Trim Trends, Inc., merged with Lima Superior in 1995. As Lima Superior continued to expand, they opened a Shawnee office, located off Shawnee Road in the Shawnee Business Park, in May of 1996. The year 1999 brought a second county, Auglaize, into the Lima Superior field of membership. A branch in Wapakoneta, located downtown across from the Courthouse, was opened soon thereafter. The year 1999 also marked the grand opening of The Mortgage Center at Superior, which has since grown to become the largest mortgage lender in Allen, Auglaize, Putnam, and Hardin Counties. The credit union currently services over $500 million in mortgage loans.

New Century, New Leader

The largest change to Superior was the retirement of the first (and only) CEO/ President, Bruce Campbell, in May 2003. Bruce had been treasurer of the credit union Board from 1974 until the plant closing in 1981, and was the single most important figure in Superior requesting and being granted a community charter. Phil Buell, CEO of Midwest Community Federal Credit Union in Defiance, Ohio, was selected to replace Bruce. Even as leadership of the credit union changed hands, one thing remained con- stant: growth. On January 1, 2004, four counties – Hardin, Mercer, Putnam, and Van Wert – were added to the field of membership and the name of the credit union was changed to Superior Federal Credit Union. In early 2005, the credit union opened The Small Business Center at Superior. In just a few short years, the credit union has amassed more than $40 million in small business loans to members. In April of 2005, Superior opened an office in Delphos. This was followed by the opening of a new branch office and corporate headquarters at 4230 Elida Road in Lima in June 2006. On July 1st of the same year, a merger with the former Member 1 Credit Union was completed. Member 1 CU had previously served the employees of the Lima Ford Engine Plant, Allen Correctional Institution, Oakwood Correctional Facility, Huffy Bicycle in Celina, Ohio, and HCF, Inc. In early 2007, a major renovation to the former Member 1 office, located at 3345 N. West Street, was completed. Later in 2007, a nearly half million dollar expansion to the Wapakoneta office was completed. In January of 2008, Superior opened their ninth location, 1381 N. Perry Street in Ottawa. Later that year, in November, Superior completed a merger with the former North Star Federal Credit Union. North Star was a community-char- tered credit union but was initially char- tered to serve the employees of the Cities of Lima & Delphos and Allen County. North Star was also the credit union for the employees of local companies like Chef Solutions, Toledo Molding & Die, Central Soya, Krendl Machine, and Aero Printing. Today, Superior Federal Credit Union is a full service financial cooperative serv- ing members in six counties throughout West Central Ohio. With nine locations in Lima, Delphos, Ottawa, and Wapakoneta, Superior FCU currently serves over 45,000 members with assets exceeding $360 mil- lion. The credit union also provides con- sumer and mortgage loans, checking and savings accounts, brokerage services, and small business services and loans.

September 2011 • The Delphos Herald • Superior Grand Opening – 5

Planning for retirement

By Joseph Reinemeyer, LPL Registered representative

Ideally, everyone would like to have enough money so they can live comfort- ably in retirement. Many of us dream of retirement in a nice home on the beach or a place in the mountains, spending time with our families or traveling. Whatever your dreams, they can’t be accomplished without a successful retirement plan. Let’s face it: It takes money from a lifetime of accumulated wealth or an adequate income stream to make our dreams come true. Not everyone is going to hit the big lottery jackpot or inherit a fortune from a wealthy family member. Income can come from a combination of savings, investments, pension plan, 401(k), IRA’s, and Social Security. Then, hopeful- ly after we have enjoyed a long retirement, upon our death there may be enough assets left over to provide a legacy for our chil- dren and grandchildren. But unfortunately, due to insufficient planning and unforeseen circumstances, many of us will find it dif- ficult in retirement to maintain our present lifestyles. Many retirees will even outlive their assets. As we saw just a few years ago, market

volatility can severely roll back our invest- ment progress and, consequently, our retire- ment plans. Postponing retirement may be the only option for many. Poor investment returns can be especially devastating to a retirement fund if they occur in the early years of retirement. Income taxes on earn- ings from taxable investments and savings can also reduce long-term accumulation. And don’t forget about inflation! It will require more income each year to maintain a desired lifestyle. How long will you live? There’s no good way to know for sure. There is a good possibility that you could be retired for a period longer than the period you have worked. That’s because on average, people are living longer now. It is quite common for people to remain active well into their 80s and 90s. While this sounds like good news, most people have not planned on needing income for that length of time. With the dramatic increase in life expec- tancy over the past several decades, it is increasingly important to guard against the risk of outliving your assets. If you are like most people, good health and making sure you have enough money to enjoy retirement are your primary concerns. With employer pensions vanishing, Social Security in jeop-

ardy, stock market volatility, rising medi- cal expenses and people living longer in retirement, protecting retirement income to ensure that it will last a lifetime is a major challenge. Social Security was great for grandma to get a lifetime of monthly checks from Uncle Sam when she probably didn’t contribute anything into the plan and grandpa contributed very little. Social Security retirement benefits were never meant to fully fund retirement, only supple- ment other retirement plans. This “longevity risk” of outliving your money is one of the primary reasons why many individuals are now including vari- able annuities as part of their overall retire- ment strategy. When changing jobs or upon retirement, rolling a 401(k) into an IRA variable annuity can guarantee an income stream for life regardless of market volatility. An annuity is one of the few investment products that offer income for life, no matter how long a person lives. In the simplest terms, a variable annuity is a long-term contract between you and an insurance company in which the insurance company makes periodic lifetime payments to you. A variable annuity contains invest- ment options that have the potential to grow and insurance features that offer protection,

September 2011 • The Delphos Herald • Superior Grand Opening – 5 Planning for retirement By

such as living and death benefit guarantees. Variable annuities are long term, tax- deferred investment vehicles designed for retirement purposes and contain both an investment and insurance component. They are sold only by prospectus. Guarantees are based on the claims paying ability of the issuer. Withdrawals made prior to age

59 ½ are subject to 10% IRA penalty tax and surrender charges may apply. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. The investment returns and principal value of the available sub-account portfolios will fluctuate so that the value of an investor’s unit, when redeemed, may be worth more or less than their original value.

To learn more about annuities, make an appointment with Joe or another one of Superior Financial Services’ invest- ment representatives. SFS representatives are licensed to sell a variety of invest- ment products including variable annuities offered through several insurance compa- nies. Securities are offered through LPL Financial, Member FINRA/SIPC. Insurance products are offered through LPL Financial or its licensed affiliates. Investment prod- ucts are not NCUA insured, not credit union guaranteed, and may lose value.

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September 2011 • The Delphos Herald • Superior Grand Opening – 5 Planning for retirement By

CONGRATULATIONS on the GRAND OPENING of your new office. We are proud to have been selected
CONGRATULATIONS on the GRAND OPENING of your new office.
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6 – The Delphos Herald • Superior Grand Opening • September 2011

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THE DELPHOS HERALD

405 N. MAIN ST. DELPHOS, OHIO

419-695-0015

www.delphosherald.com

Internet banking safety tips

By Sue Wagner,

EVP of Accounting

& Information Systems

For most of us, the Internet has become

an integral part of our daily lives. We

rely on the Internet to keep in touch with

friends, shop, get the news, and take care

of our finances. Unfortunately, there

also lies great risk in using the Internet if

you are not proactive in protecting your

personal data.

In the past, those threats consisted

mainly of ambitious teenagers who took

great pleasure in creating malicious email

viruses that would crash your machine

if you failed to keep the latest virus

protection software signatures updated

on your PC. These attacks rarely did

more that infect everyone in your address

book and cause you to re-format your machine. In today’s world, however, the malicious threats and behaviors you face from using the Internet are much differ - ent. The intruder is much more likely to be from an organized crime organization from Eastern Europe, Africa, or Asia. As individuals we must all be aware of these threats and take steps to minimize your

exposure.

Though it may seem like a daunting

task, minimizing your risk is something

that each of us can accomplish without

being an IT security expert. Some helpful

tips include:

Install anti-virus software and fire -

walls on any computer that is connected

to the Internet. But you just cannot install

the software and then forget it! You need

to make sure that all of the security fea -

tures are enabled and that your system

is getting updates at least weekly. If you

need assistance in understanding how

your software works, take the time to

contact the software company’s techni -

cal support. Poorly configured software

can often be as bad as not having any

software at all.

Teach your old, simple passwords

some new tricks by adding special char - acters. Create passwords that are at least 8 characters in length, difficult to guess (do not us any word from the dictionary in its native state), and be sure to use at least one uppercase letter, one lowercase letter, one number, and two non-alphanumeric characters such as !@#$%^&*(. NEVER write down your password or keep it near or on your computer. Turn off your computer or disconnect

your connection to the Internet when your computer is not in use. An intruder can - not attack your computer if it is turned off or disconnected. Many home banking vendors offer alert services that you can set to notify you if someone logs onto your home banking account or if your password has changed.You may also have the ability to limit the IP range that can access your account to ensure that only your machine(s) has the ability to access your account. These notifications can now often be sent by text message rather than email, allowing you to get your alerts in real time. Beware of unsolicited email and web - sites requesting your personal informa - tion. Check the website address at the top of the browser to ensure that you have not been directed to a fraudulent web - site before entering any of your personal information. Never respond to emails or pop-up windows that request account numbers, card information, social security numbers, or birthdates. Do not click on links in emails unless you know the send - er. This is the most common method of infecting your PC with malware that can be installed on your hard drive and collect data without you even knowing it.

Congratulations on your newest financial center

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Superior Federal Credit Union on the completion of your beautiful new office in Delphos. CHEVROLET •

Superior Federal Credit Union on the completion of your beautiful new office in Delphos.

CHEVROLET • BUICK
CHEVROLET • BUICK

1725 East Fifth Street, Delphos

IN DELPHOS 419-692-3015

TOLL FREE 1-888-692-3015

VISIT US ON THE WEB @

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September 2011 • The Delphos Herald • Superior Grand Opening – 7

Superior largest consumer mortgage lender in four-county area

By Mark Stechschulte, Mortgage Originator

I’d like to welcome everyone in the greater tri-county area to our new location in Delphos. We truly look forward to continue serving the people of this area as the credit union contin- ues to expand our access to our array of finan- cial services with new and better locations as well as our online capabilities. One of the services that people might be surprised we continue to provide is the access to 100 percent financing in our area through the Rural Development programs. Although nationally the regulators in the real estate market have diminished access to 100 percent financing programs due to the turbulence in the national housing market, we have been able to continue offering low down-payment financing partly due to the strong work ethic and responsibility of the great people in our marketplace in northwest Ohio, as well as sticking to traditional underwriting standards to make sure we are not “setting people up to fail,” which some of the other programs nationally were accused of doing. The Rural Development loans are fixed-rate programs where the principal is decreasing with each monthly payment on a normal amortization schedule so that you can start building equity in the home immediately. After these loans

are closed, you can continue accessing your account information here locally rather than having your payments sent to a distant pro- cessing center. This program is not designed for homes that need repair and remodeling right away, as nobody wants a new homeown- er to be saddled immediately with expensive renovation costs. Those types of financing would typically require more money down. Rural Development loans are still available for potential homeowners with a good credit rating and job history, although there are some income limits to the program. Superior also continues to offer construc- tion loans and conventional financing pro- grams in our area. On construction loans, any lot equity you already have would count toward the down payment needed, so free to call or stop in to check on our free pre-approv- als. The current low interest rates coupled with low real estate values offer an exciting, historic opportunity to get you in to the type of home you have always wanted. We are excited about working with residents of the tri-county area to bring these opportunities to you! The Mortgage Center at Superior is the largest consumer mortgage lender in Allen, Auglaize, Putnam, and Hardin counties. The credit union currently services over 6,000 mortgage loans accounting for more than a

Congratulations!

from

S chrader r ealty “Put your dreams in our hands”

Schrader realty llc

“Put your dreams in our hands”

202 N. Washington St. Delphos, OH 45833

Office: 419-692-2249

Fax: 419-692-2205

Krista Schrader

419-233-3737

Ruth Baldauf-Liebrecht ...

419-234-5202

Amie Nungester

Janet Kroeger

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FOR A FULL LIST OF OUR LISTINGS, PLEASE VIEW:

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half billion dollars in real estate. The Mortgage Center offers a full line of mortgage options, including fixed and adjustable rate mortgage loans, construction loans, bridge loan/blanket mort- gages, second mortgages, jumbo loans, lot loans, investment properties, rehab loans, second homes, and home equity loans.

Best Wishes

to Superior Federal Credit Union

on the Grand Opening of your new office.

KNIPPEN

Chrysler • Dodge • Jeep Inc.

800 W. Fifth St., Delphos

419-695-4976 or 1-800-464-8434

A great big THANK YOU to Superior Federal Credit Union for the FIREWORKS DISPLAY at Canal
A great big
THANK YOU to
Superior Federal Credit Union for
the FIREWORKS DISPLAY at
Canal Days, SATURDAY, Sept. 17 11pm ...
at the corner of 5th and Main Street, Delphos.
We appreciate your generosity
for the enjoyment of all!
The Canal Days Committee &
The Delphos Area Chamber
of Commerce

“Since

“Since

1948

Fritchie Asphalt

& Paving Co.

Free estimates

commercial/Residential

911 Wardhill Ave., Lima, OH

 

419-224-4821

Congratulations on

your new location!

8 – The Delphos Herald • Superior Grand Opening • September 2011

The mission of Superior Federal Credit Union is to build trusted relationships by delivering personalized financial
The mission of Superior Federal Credit
Union is to build trusted relationships by
delivering personalized financial solutions.
Superior Federal Credit Union also
pledges to fulfill the following commitments
to members:
• We promise to simplify your life
• We promise to work in your best interest
Back Row (L to R) – Sherri Norris, Melissa Jones, Emily Lee, Trisha Haunhorst
Front Row (L to R) – Alisha Reaman, Deb Reindel
• We promise to help you build your
financial future
• We promise to provide products and
services relevant to your needs
• We promise to protect your privacy
Mark Stechschulte
Alisha Reaman
Joe Reinemeyer
Mortgage Originator
Financial Service Officer
LPL Registered Representative
(419) 879-3493
MStechschulte@SuperiorFCU.com
(419) 879-3518
AReaman@SuperiorFCU.com
(419) 879-4836
Joseph.Reinemeyer@lpl.com
Delphos • Lima • Ottawa • Wapakoneta