Credit Union Safety Analysis
Is Securityplus Federal Credit Union Safe? Windsor Mill, Maryland
Based on its Q2 2026 NCUA 5300 call report, Securityplus Federal Credit Union has a net worth ratio of 10.35%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.45%, 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, Securityplus Federal Credit Union's net worth ratio is 10.35%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.35%
- Delinquency ratio (60+ days) (Q2 2026): 1.45%
- Return on assets (Q2 2026): 0.19%
- Loan-to-share ratio (Q2 2026): 84.16%
Securityplus Federal Credit Union (NCUA charter 2769, established 1938) reported $596.9M in assets and 35,966 members for Q2 2026 from Windsor Mill, Maryland. It ranks 16 of 58 credit unions in Maryland by total assets. Total assets grew 3.4% from $577.4M on June 30, 2025. It has 453 more members than on June 30, 2025 (+1.3%). Its net worth ratio was up 0.11 percentage points from 10.24% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $206.2M of $437.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.45% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.18% for Q1 2026; 10.24% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.66% for Q1 2026; 1.67% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.09% for Q1 2026; 0.02% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 82.05% for Q1 2026; 81.53% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $206.2M
- Commercial loans: $126.1M
- Used vehicle loans: $60.2M
- New vehicle loans: $20.1M
- Unsecured credit card loans: $12.1M
- Other unsecured loans and lines of credit: $10.8M
- Other secured non-real estate loans and lines of credit: $1.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $596.9M | 10.35% | 1.45% | 0.19% | 84.16% |
| March 31, 2026 | $604.1M | 10.18% | 1.66% | 0.09% | 82.05% |
| December 31, 2025 | $580.6M | 10.57% | 2.17% | 1.41% | 86.31% |
| September 30, 2025 | $576.2M | 10.36% | 1.82% | 0.36% | 88.06% |
| June 30, 2025 | $577.4M | 10.24% | 1.67% | 0.02% | 81.53% |
| March 31, 2025 | $576.0M | 10.26% | 1.48% | -0.05% | 78.26% |
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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.
Securityplus Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 2769) · FFIEC NIC profile (RSSD 706076)
Frequently asked questions
Is Securityplus Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Securityplus Federal Credit Union's net worth ratio is 10.35%, above the 7% NCUA threshold for well capitalized.
Is Securityplus Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Securityplus Federal Credit Union is a federally insured credit union (NCUA charter 2769): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Securityplus Federal Credit Union's key safety ratios?
For Q2 2026, Securityplus Federal Credit Union reports net worth 10.35%, delinquency 1.45%, ROA 0.19%, loan-to-share 84.16%.
What happens to my money if Securityplus Federal Credit Union fails?
For Q2 2026, Securityplus Federal Credit Union held $519.9M in shares and deposits for 35,966 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.