Security Service

San Antonio, TX · 1 · Charter #11065 · www.ssfcu.org
Large (>$10B)Reporting period: Q4 2025Peer group: 21 CUs

Performance vs peers

Percentile rank within the Large (>$10B) peer group (21 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$14.2B
29th percentile
Members
738,238
24th percentile
Total loans
$11.7B
29th percentile
Total shares
$11.0B
19th percentile

Profitability

Return on assets
0.47%
14th percentile
Net interest margin
2.89%
38th percentile
Efficiency ratio
52.31%
19th percentile
Non-interest income ratio
18.71%
71th percentile

Capital & Risk

Net worth ratio
10.95%
71th percentile
Delinquency rate
1.04%
62th percentile
Net charge-off rate
0.36%
86th percentile
Loan-to-share
105.85%
90th percentile

Growth

Member growth YoY
-1.51%
14th percentile
Asset growth YoY
3.46%
19th percentile
Loan growth YoY
2.68%
24th percentile
Share growth YoY
5.72%
29th percentile

Operations

Members / branch
10,546
10th percentile
Assets / member
$19,215
57th percentile
Field of membership penetration
13.20%
67th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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