State credit union · KEOKUK, Iowa · NCUA charter #64269
S E C U
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $1.8M
- Total assets
- 722
- Members
- 36.6%
- Net-worth ratio
S E C U scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.8M; members 722; net-worth ratio 36.60%; health rank #3,306 of 4,374; healthier than 23rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,306 of 4,374 health · 2025Q4S E C U · health 74/100 · $1.8M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
S E C U vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); S E C U sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for S E C U
- Strongest edge vs 243 Under $2M peers is Loan-to-Share Ratio: +46.95 pp (99.65% vs 52.70%).
Iowa standing for S E C U
- In Iowa, health place is #54 of 66 on the same NCUA-ratio sort used nationally.
- Assets rank #64 of 66 inside Iowa ($1.8M reported).
- Member book place in Iowa: #57 of 66.
- One place up in Iowa, EMPLOYEES (#53) scores 75/100, 1 point higher; one place down, Fort Dodge Family (#55) scores 71/100, 3 points lower.
How S E C U's 5300 filing moved
S E C U: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.0% from $1.8M (2025Q4) to $1.7M (2026Q1).
- Net-worth ratio shifted +1.30 pp (35.30% → 36.60%).
36.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
S E C U gives up 26 points in total. Delinquency Rate costs the most, 16.4 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.6 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 11.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 36.60% | +13.67 pp |
| Delinquency Rate | 2.62% | -1.85 pp |
| Return on Assets | 2.40% | +2.18 pp |
| Member Growth | 0.28% | - |
| Loan-to-Share Ratio | 99.65% | +46.95 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.7M | - |
| 2025Q4 | $1.8M | 722 |
| 2024Q4 | $1.7M | 720 |
| 2023Q4 | $1.8M | 723 |
Credit Union Details
- Charter Number
- 64269
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Iowa
- City
- KEOKUK
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for S E C U.
| Office | City |
|---|---|
| SECU (Main Office) | KEOKUK, IA |
| DISASTER RECOVERY | KEOKUK, IA |
| VITAL RECORDS | KEOKUK, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
Cross-state Call Report peers for S E C U
Similar health score
Using this data
- S E C U ranks #3,306 of 4,374 nationally on financial health and #54 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Athanasius is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Athanasius
Frequently Asked Questions
Is S E C U financially healthy?
On its 2025Q4 NCUA 5300 filing, S E C U scores 74/100 (Very Good), with a 36.60% net worth ratio and 2.62% of loans delinquent. It ranks #3,306 of 4,374 nationally on health and #54 of 66 in Iowa.
How does S E C U compare to other credit unions?
S E C U scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (99.65% vs 52.70%).
How can I join S E C U?
Membership eligibility for S E C U depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact S E C U directly for current membership requirements and application steps.
Is my money safe at S E C U?
S E C U is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. S E C U's net worth ratio of 36.60% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.