State credit union · GRAND BLANC, Michigan · NCUA charter #61159
SECURITY
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $638.0M
- Total assets
- 53,733
- Members
- 9.7%
- Net-worth ratio
SECURITY scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $638.0M; members 53,733; net-worth ratio 9.72%; health rank #1,322 of 4,374; healthier than 69th of scored peers.
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NCUA 5300 Call Report Masthead
#1,322 of 4,374 health · 2025Q4SECURITY · health 89/100 · $638.0M · 2025Q4
Call Report peers
SECURITY in the assets neighbourhood
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SECURITY vs every NCUA-scored credit union
SECURITY sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
SECURITY: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 88.68% vs peer 83.90% (+4.78 pp).
- Net Worth Ratio trails the peer set - 9.72% here, 11.18% peer average (-1.46 pp).
SECURITY in Michigan
- Michigan health ordinal: #62 of 171.
- Assets rank #39 of 171 inside Michigan ($638.0M reported).
- Membership ranks #31 of 171 among Michigan CUs with a reported count (53,733 members).
- One place up in Michigan, JOURNEY (#61) ties at 89/100; one place down, WMCU (#63) scores 88/100, 1 point lower.
SECURITY Call Report trajectory
SECURITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $638.0M (2025Q4) to $651.8M (2026Q1).
- Net-worth ratio shifted -0.25 pp (9.97% → 9.72%).
At 9.72%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
SECURITY gives up 11 points in total. Delinquency Rate costs the most, 6.4 of its 25; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 29.3 pts
- Delinquency Rate 18.6 pts
- Return on Assets 15.0 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 15.4 pts
SECURITY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.72% | -1.46 pp |
| Delinquency Rate | 1.18% | +0.31 pp |
| Return on Assets | 0.52% | +0.01 pp |
| Member Growth | 1.43% | - |
| Loan-to-Share Ratio | 88.68% | +4.78 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - SECURITY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $651.8M | - |
| 2025Q4 | $638.0M | 53,733 |
| 2024Q4 | $638.1M | 52,974 |
| 2023Q4 | $638.8M | 52,806 |
Credit Union Details
- Charter Number
- 61159
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- GRAND BLANC
- Data Quarter
- 2025Q4
Branch Locations (17)
Per its most recent NCUA branch filing, SECURITY runs 17 offices in 15 different cities across 2 states.
| Office | City |
|---|---|
| Administration Building (Main Office) | Holly, MI |
| Center Road Office | Burton, MI |
| Cros-Lex Office | Croswell, MI |
| Detroit Office | Detroit, MI |
| Linden Road Office | Flint, MI |
| Flushing Branch | Flushing, MI |
| Holly Road Office | Grand Blanc, MI |
| Operations Building | Holly, MI |
| Imlay City Office | Imlay City, MI |
| Myers Road Office | Lapeer, MI |
| Lapeer Office | Lapeer, MI |
| Midland Office | Midland, MI |
| Owosso Office | Owosso, MI |
| Saginaw Office | Saginaw, MI |
| Toledo Office | Toledo, OH |
| Warren Office | Warren, MI |
| Waterford Office | Waterford, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Other-state peers near SECURITY
Similar total assets
Using this data
- SECURITY ranks #1,322 of 4,374 nationally on financial health and #62 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ADVENTURE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ADVENTURE
Frequently Asked Questions
Is SECURITY financially healthy?
On its 2025Q4 NCUA 5300 filing, SECURITY scores 89/100 (Excellent), with a 9.72% net worth ratio and 1.18% of loans delinquent. It ranks #1,322 of 4,374 nationally on health and #62 of 171 in Michigan.
How does SECURITY compare to other credit unions?
SECURITY scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (88.68% vs 83.90%). Its widest shortfall is net worth ratio (9.72% vs 11.18%).
How can I join SECURITY?
Membership eligibility for SECURITY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SECURITY directly for current membership requirements and application steps.
Is my money safe at SECURITY?
SECURITY 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. SECURITY's net worth ratio of 9.72% 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.