Credit Union Safety Analysis
Is Financial Security Credit Union Safe? Carlsbad, New Mexico
Based on its Q2 2026 NCUA 5300 call report, Financial Security Credit Union has a net worth ratio of 16.62%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.69%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Financial Security Credit Union's net worth ratio is 16.62%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.62%
- Delinquency ratio (60+ days) (Q2 2026): 0.69%
- Return on assets (Q2 2026): 0.83%
- Loan-to-share ratio (Q2 2026): 88.85%
Financial Security Credit Union (NCUA charter 62452, established 1954) reported $63.6M in assets and 5,114 members for Q2 2026 from Carlsbad, New Mexico. It ranks 18 of 37 credit unions in New Mexico by total assets. Total assets grew 2.0% from $62.3M on June 30, 2025. It has 19 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was up 0.65 percentage points from 15.97% on June 30, 2025. Used vehicle loans are its largest loan category, $20.7M of $47.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.69% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 16.34% for Q1 2026; 15.97% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.93% for Q1 2026; 1.14% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.08% for Q1 2026; 1.41% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 85.69% for Q1 2026; 86.22% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $20.7M
- New vehicle loans: $14.6M
- Other secured non-real estate loans and lines of credit: $5.1M
- Other unsecured loans and lines of credit: $4.4M
- Commercial loans: $1.4M
- Unsecured credit card loans: $761K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $63.6M | 16.62% | 0.69% | 0.83% | 88.85% |
| March 31, 2026 | $63.8M | 16.34% | 0.93% | 1.08% | 85.69% |
| December 31, 2025 | $61.9M | 16.58% | 1.38% | 0.69% | 90.94% |
| September 30, 2025 | $61.4M | 16.53% | 1.28% | 1.34% | 86.99% |
| June 30, 2025 | $62.3M | 15.97% | 1.14% | 1.41% | 86.22% |
| March 31, 2025 | $60.8M | 16.01% | 0.91% | 2.74% | 84.66% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Financial Security Credit Union profile
Regulator records: NCUA credit union profile (charter 62452) · FFIEC NIC profile (RSSD 675097)
Frequently asked questions
Is Financial Security Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Financial Security Credit Union's net worth ratio is 16.62%, above the 7% NCUA threshold for well capitalized.
Is Financial Security Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Financial Security Credit Union is a federally insured credit union (NCUA charter 62452): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Financial Security Credit Union's key safety ratios?
For Q2 2026, Financial Security Credit Union reports net worth 16.62%, delinquency 0.69%, ROA 0.83%, loan-to-share 88.85%.
What happens to my money if Financial Security Credit Union fails?
For Q2 2026, Financial Security Credit Union held $52.8M in shares and deposits for 5,114 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.