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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,322 of 4,374 health · 2025Q4SECURITY · health 89/100 · $638.0M · 2025Q4
- ROA 89/100
- ASSETS 9.7%
- MEM 1.18%
- RANK 0.52%
- PHOTO $638.0M
- BOOK 53,733
- CHARTER #1,322/4,374
- NCUSIF First Peoples Community
- CAMELS 61159
Call Report peers
SECURITY in the assets neighbourhood
SECURITY's $638.0M assets sit next to First Peoples Community ($637.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SECURITY vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Charter #61159's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SECURITY Call Report trajectory
SECURITY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $638.0M (2025Q4) to $651.8M (2026Q1).
- Net-worth ratio shifted -0.25 pp (9.97% → 9.72%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
SECURITY's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($638.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SECURITY financially healthy?
SECURITY has a financial health score of 89/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,322 of 4,374; by total assets it ranks #656 of 4,374 nationally (same basis as /rankings/largest); and #39 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.72% and delinquency rate of 1.18%.
How does SECURITY compare to other credit unions?
On PlainCU's health composite, SECURITY lands at 89/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like SECURITY are 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."
What rates does SECURITY offer compared to banks?
Credit unions like SECURITY are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact SECURITY directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.