Securcommunity Federal Credit Union
Total assets
$92.6M
▲ +0.4% YoY
Shares & deposits
$76.6M
▼ -0.2% YoY
Loans
$33.4M
▼ -11.5% YoY
Members
9,457
▼ -2.7% YoY
ROA (annualized)
0.06%
peers 0.60%
ROE (annualized)
0.40%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | -0.2% | +0.7% | -0.9 pts |
| Loan growth (YoY) | -11.6% | -2.4% | -9.2 pts |
| ROA | 0.06% | 0.60% | -0.5 pts |
| ROE | 0.4% | 4.1% | -3.7 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
Profile
- Established
- 1961
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 7000 Goodlett Farms Pkwy Ste 100, Cordova, TN, 38016
- NCUA charter #
- 14733
- RSSD ID
- 829685
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $92.6M | $76.6M | $33.4M | $13.0M | $13K | 0.06% | 4.15% | 0.53% | 9,457 |
| Q4 2025 | $89.1M | $74.0M | $35.0M | $12.9M | $96K | 0.11% | 4.40% | 0.53% | 9,601 |
| Q3 2025 | $90.8M | $75.8M | $35.6M | $13.7M | $227K | 0.33% | 4.26% | 0.76% | 9,640 |
| Q2 2025 | $90.7M | $76.2M | $36.3M | $13.8M | $294K | 0.65% | 4.23% | 0.55% | 9,730 |
| Q1 2025 | $92.2M | $76.8M | $37.8M | $13.7M | $154K | 0.67% | 3.84% | 0.76% | 9,715 |
| Q4 2024 | $88.2M | $73.6M | $39.3M | $13.6M | $1.2M | 1.31% | 4.36% | 1.66% | 10,005 |
| Q3 2024 | $89.5M | $75.4M | $41.4M | $13.5M | $1.1M | 1.70% | 4.29% | 0.88% | 10,582 |
| Q2 2024 | $89.7M | $75.0M | $42.9M | $13.4M | $1.0M | 2.31% | 4.28% | 0.73% | 10,731 |
Loan mix (Q1 2026): real estate $4K · commercial $0 · consumer $32.4M · securities $29.8M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.83% | 65th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.2% | 81.5% | 80th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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