SECURITY FIRST
Charter #5547 · MCALLEN, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.64% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.32% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 8th percentile but its structural peers at the 69th — a 61-point gap showing why the peer definition matters.
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 FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $521.34M | 8th pct | 69th pct |
| Members | 40,489 | 47th pct | 70th pct |
| Net worth ratio | 11.55% | 67th pct | 48th pct |
| Return on average assets | 1.64% | 93th pct | 92th pct |
| Net interest margin | 3.43% | 44th pct | 38th pct |
| Cost of funds | 1.07% | 25th pct | 44th pct |
| Loan-to-share | 79.15% | 43th pct | 54th pct |
| Delinquency 60+ days | 1.32% | 90th pct | 90th pct |
| Net charge-off ratio | 0.61% | 67th pct | 66th pct |
| Loan growth YoY | -2.09% | 18th pct | 20th pct |
| Share growth YoY | -0.28% | 6th pct | 5th pct |
| Efficiency ratio | 78.17% | 50th pct | 51th pct |
structural peer set hash: 8c4b131efff764ca49fa9c18a7f8becc… (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.