Security Service Federal Credit Union
Total assets
$14.21B
▲ +1.0% YoY
Shares & deposits
$11.24B
▲ +4.5% YoY
Loans
$11.53B
▼ -1.5% YoY
Members
741,871
▼ -2.8% YoY
ROA (annualized)
0.54%
peers 0.77%
ROE (annualized)
4.92%
peers 7.68%
Peer comparison 24 credit unions with 10B+ in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +7.0% | -6.0 pts |
| Share growth (YoY) | +4.5% | +6.8% | -2.3 pts |
| Loan growth (YoY) | -1.5% | +6.8% | -8.3 pts |
| ROA | 0.54% | 0.77% | -0.2 pts |
| ROE | 4.9% | 7.7% | -2.8 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 691510, San Antonio, TX, 78269
- NCUA charter #
- 11065
- RSSD ID
- 666581
- 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 | $14.21B | $11.24B | $11.53B | $1.57B | $19.3M | 0.54% | 2.95% | 0.81% | 741,871 |
| Q4 2025 | $14.18B | $11.02B | $11.67B | $1.55B | $79.5M | 0.56% | 2.89% | 1.04% | 738,238 |
| Q3 2025 | $14.14B | $10.98B | $11.87B | $1.55B | $53.2M | 0.50% | 2.87% | 0.92% | 750,086 |
| Q2 2025 | $14.02B | $10.88B | $11.94B | $1.52B | $32.6M | 0.46% | 2.84% | 0.78% | 747,840 |
| Q1 2025 | $14.07B | $10.76B | $11.71B | $1.51B | $14.3M | 0.41% | 2.78% | 0.69% | 763,436 |
| Q4 2024 | $13.71B | $10.42B | $11.36B | $1.49B | $72.5M | 0.53% | 2.74% | 1.00% | 749,576 |
| Q3 2024 | $13.65B | $10.36B | $11.29B | $1.50B | $57.0M | 0.56% | 2.72% | 0.88% | 760,148 |
| Q2 2024 | $13.49B | $10.24B | $11.33B | $1.48B | $40.8M | 0.60% | 2.71% | 0.80% | 759,933 |
Loan mix (Q1 2026): real estate $5.62B · commercial $1.52B · consumer $4.31B · securities $823.3M
Ratio pack Q1 2026 · peer medians from 24 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.77% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 7.7% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.08% | 39th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% | 62.8% | 100th | |
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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