Credit Union Safety Analysis
Is Security Service Federal Credit Union Safe? San Antonio, Texas
Based on its Q2 2026 NCUA 5300 call report, Security Service Federal Credit Union has a net worth ratio of 11.26%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.03%, 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, Security Service Federal Credit Union's net worth ratio is 11.26%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.26%
- Delinquency ratio (60+ days) (Q2 2026): 1.03%
- Return on assets (Q2 2026): 0.54%
- Loan-to-share ratio (Q2 2026): 101.87%
Security Service Federal Credit Union (NCUA charter 11065, established 1956) reported $14.36B in assets and 721,020 members for Q2 2026 from San Antonio, Texas. It ranks 2 of 377 credit unions in Texas by total assets. Total assets grew 2.4% from $14.02B on June 30, 2025. It has 26,820 fewer members than on June 30, 2025 (-3.6%). Its net worth ratio was up 0.28 percentage points from 10.98% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $5.61B of $11.43B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.03% is above the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 24 credit unions with $10B to $100B in assets: 10.42%; middle half of peers: 9.55% to 11.84%.
Earlier filings: 11.19% for Q1 2026; 10.98% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.91%; middle half of peers: 0.64% to 1.27%.
Earlier filings: 0.81% for Q1 2026; 0.78% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.97%; middle half of peers: 0.59% to 1.31%.
Earlier filings: 0.55% for Q1 2026; 0.52% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 89.87%; middle half of peers: 81.23% to 93.33%.
Earlier filings: 102.57% for Q1 2026; 109.72% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $5.61B
- Used vehicle loans: $2.02B
- New vehicle loans: $1.57B
- Commercial loans: $1.54B
- Unsecured credit card loans: $307.1M
- Other unsecured loans and lines of credit: $294.9M
- Other secured non-real estate loans and lines of credit: $83.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $14.36B | 11.26% | 1.03% | 0.54% | 101.87% |
| March 31, 2026 | $14.21B | 11.19% | 0.81% | 0.55% | 102.57% |
| December 31, 2025 | $14.18B | 11.02% | 1.04% | 0.75% | 105.85% |
| September 30, 2025 | $14.14B | 11.03% | 0.92% | 0.58% | 108.12% |
| June 30, 2025 | $14.02B | 10.98% | 0.78% | 0.52% | 109.72% |
| March 31, 2025 | $14.07B | 10.96% | 0.69% | 0.41% | 108.83% |
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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.
Security Service Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 11065) · FFIEC NIC profile (RSSD 666581)
Frequently asked questions
Is Security Service Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Security Service Federal Credit Union's net worth ratio is 11.26%, above the 7% NCUA threshold for well capitalized.
Is Security Service Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Security Service Federal Credit Union is a federally insured credit union (NCUA charter 11065): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Security Service Federal Credit Union's key safety ratios?
For Q2 2026, Security Service Federal Credit Union reports net worth 11.26%, delinquency 1.03%, ROA 0.54%, loan-to-share 101.87%.
What happens to my money if Security Service Federal Credit Union fails?
For Q2 2026, Security Service Federal Credit Union held $11.22B in shares and deposits for 721,020 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.