Financial Security

CARLSBAD, NM · 2 · Charter #62452 · www.finseccu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$61.9M
13th percentile
Members
5,181
27th percentile
Total loans
$46.9M
36th percentile
Total shares
$51.5M
12th percentile

Profitability

Return on assets
1.82%
88th percentile
Net interest margin
4.04%
72th percentile
Efficiency ratio
65.32%
41th percentile
Non-interest income ratio
35.16%
97th percentile

Capital & Risk

Net worth ratio
16.58%
85th percentile
Delinquency rate
1.38%
20th percentile
Net charge-off rate
0.58%
26th percentile
Loan-to-share
90.94%
88th percentile

Growth

Member growth YoY
0.95%
69th percentile
Asset growth YoY
6.43%
73th percentile
Loan growth YoY
5.67%
74th percentile
Share growth YoY
5.91%
71th percentile

Operations

Members / branch
2,591
38th percentile
Assets / member
$11,945
28th percentile
Field of membership penetration
51.81%
90th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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