S E C U
Charter #64269 · KEOKUK, IA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 36.60% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.26% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.66% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.99% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
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 | S E C U | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.72M | 26th pct | 25th pct |
| Members | 726 | 63th pct | 64th pct |
| Net worth ratio | 36.60% | 91th pct | 84th pct |
| Return on average assets | 2.26% | 93th pct | 90th pct |
| Net interest margin | 5.66% | 87th pct | 77th pct |
| Cost of funds | 0.49% | 50th pct | 44th pct |
| Loan-to-share | 98.78% | 92th pct | 74th pct |
| Delinquency 60+ days | 3.99% | 83th pct | 93th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -4.71% | 52th pct | 52th pct |
| Share growth YoY | -16.99% | 2th pct | 3th pct |
| Efficiency ratio | 61.03% | 16th pct | 13th pct |
structural peer set hash: 5092d201ad403b4040c39bd0335dc2d2… (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.