Security First
McAllen, TX · Charter 5547 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 9 branches
Q2 2026
$516.6MAssets
$392.9MLoans
$449.1MShares
$61.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets in TX (rank 26 of 235).
- Widest gap: nonperforming loans / loans trails 80% of credit unions under $1B in assets in TX (rank 188 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.26%
Rank 49 of 235
Net Interest Margin
3.66%
Rank 142 of 235
Efficiency Ratio
77.81%
Rank 95 of 235
Equity / Assets
11.87%
Rank 162 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.26% | 0.17% | 0.57% | 1.10% | Beats 79% | 49 / 235 | |
| Return on Equity | 10.62% | 1.03% | 4.30% | 7.58% | Beats 89% | 26 / 235 | |
| Net Interest Margin | 3.66% | 3.32% | 3.89% | 4.35% | Beats 40% | 142 / 235 | |
| Efficiency Ratio | 77.81% | 70.60% | 82.00% | 91.57% | Beats 60% | 95 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.32% | 0.20% | 0.59% | 1.14% | Beats 20% | 188 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.87% | 11.30% | 14.41% | 19.49% | Beats 31% | 162 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.87% | 11.30% | 14.41% | 19.49% | Beats 31% | 162 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 87.49% | 54.18% | 67.38% | 81.66% | 83rd pctl | 40 / 235 | |
| Loans / Assets | 76.05% | 43.80% | 56.63% | 68.64% | 89th pctl | 25 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |