Super funds operated by the big banks still trail the industry leaders in generating a passable crediting rate on managed funds.The industry super funds sector once again outperformed the retail superannuation fund sector, typically owned by banks, data compiled by SuperRatings shows.The median industry superannuation fund balanced option "outperformed the median retail fund balanced option over one, three, five, seven and ten years," Industry Super Australia bragged yesterday.The industry funds crediting rate was around 12.05 per cent, ahead of retail trusts at 10.54 per cent.Industry funds lead on returns is as strong as ten years ago.