Credit Union Safety Analysis
Is S E C U Credit Union Safe? Keokuk, Iowa
Based on its Q2 2026 NCUA 5300 call report, S E C U Credit Union has a net worth ratio of 35.35%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.61%, 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, S E C U Credit Union's net worth ratio is 35.35%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 35.35%
- Delinquency ratio (60+ days) (Q2 2026): 2.61%
- Return on assets (Q2 2026): 2.58%
- Loan-to-share ratio (Q2 2026): 95.39%
S E C U Credit Union (NCUA charter 64269, established 1963) reported $1.8M in assets and 723 members for Q2 2026 from Keokuk, Iowa. It ranks 64 of 65 credit unions in Iowa by total assets. Total assets fell 3.5% from $1.9M on June 30, 2025. It has 2 more members than on June 30, 2025 (+0.3%). Its net worth ratio was up 3.90 percentage points from 31.45% on June 30, 2025. Used vehicle loans are its largest loan category, $806K of $1.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.61% is above 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: 36.60% for Q1 2026; 31.45% 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: 3.99% for Q1 2026; 1.90% 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: 2.29% for Q1 2026; 2.62% 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: 98.78% for Q1 2026; 86.77% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $806K
- New vehicle loans: $192K
- Other unsecured loans and lines of credit: $87K
- Other secured non-real estate loans and lines of credit: $24K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.8M | 35.35% | 2.61% | 2.58% | 95.39% |
| March 31, 2026 | $1.7M | 36.60% | 3.99% | 2.29% | 98.78% |
| December 31, 2025 | $1.8M | 35.30% | 2.62% | 2.74% | 99.65% |
| September 30, 2025 | $1.9M | 31.64% | 3.21% | 3.44% | 86.05% |
| June 30, 2025 | $1.9M | 31.45% | 1.90% | 2.62% | 86.77% |
| March 31, 2025 | $1.8M | 32.19% | 0.12% | 1.62% | 95.08% |
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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.
Regulator records: NCUA credit union profile (charter 64269) · FFIEC NIC profile (RSSD 86198)
Frequently asked questions
Is S E C U Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, S E C U Credit Union's net worth ratio is 35.35%, above the 7% NCUA threshold for well capitalized.
Is S E C U Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. S E C U Credit Union is a federally insured credit union (NCUA charter 64269): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are S E C U Credit Union's key safety ratios?
For Q2 2026, S E C U Credit Union reports net worth 35.35%, delinquency 2.61%, ROA 2.58%, loan-to-share 95.39%.
What happens to my money if S E C U Credit Union fails?
For Q2 2026, S E C U Credit Union held $1.2M in shares and deposits for 723 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.