SECURITY SERVICE
Charter #11065 · San Antonio, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 741,871 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.37% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 82.44% sits at the 95th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SECURITY SERVICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.21B | 97th pct | 93th pct |
| Members | 741,871 | 97th pct | 90th pct |
| Net worth ratio | 11.19% | 60th pct | 69th pct |
| Return on average assets | 0.54% | 34th pct | 30th pct |
| Net interest margin | 2.95% | 24th pct | 31th pct |
| Cost of funds | 2.40% | 84th pct | 69th pct |
| Loan-to-share | 102.57% | 94th pct | 85th pct |
| Delinquency 60+ days | 0.81% | 68th pct | 61th pct |
| Net charge-off ratio | 0.37% | 31th pct | 25th pct |
| Loan growth YoY | -2.88% | 5th pct | 0th pct |
| Share growth YoY | 2.38% | 22th pct | 25th pct |
| Efficiency ratio | 82.44% | 84th pct | 95th pct |
structural peer set hash: 9cfac2a037ec7523e292d0fc4cc63042… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.