Federal credit union · MCALLEN, Texas · NCUA charter #5547
Security First
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $521.1M
- Total assets
- 41,557
- Members
- 11.6%
- Net-worth ratio
Security First scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $521.1M; members 41,557; net-worth ratio 11.55%; health rank #2,751 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,751 of 4,374 health · 2025Q4Security First · health 80/100 · $521.1M · 2025Q4
- ASSETS 80/100
- MEM 11.6%
- RANK 1.63%
- PHOTO 0.73%
- BOOK $521.1M
- CHARTER 41,557
- NCUSIF #2,751/4,374
- CAMELS Commonwealth One
- HEALTH 5547
Call Report peers
Security First in the assets neighbourhood
Security First's $521.1M assets sit next to Commonwealth One ($520.9M) 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 First 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
80 36th percentile higher than 36% 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 First - Share Insurance Coverage
Charter #5547'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 First vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +0.37 pp (11.55% vs 11.18%).
- Loan-to-Share Ratio trails the peer set - 78.63% here, 83.90% peer average (-5.27 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Security First sits in Texas
- In Texas, health place is #246 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #63 of 386 inside Texas ($521.1M reported).
- Texas membership ordinal: #57 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Security First's 5300 filing moved
Security First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.0% from $521.1M (2025Q4) to $521.3M (2026Q1).
- Net-worth ratio shifted +0.41 pp (11.14% → 11.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.55% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.3 pts
- Return on Assets 15.0 pts
- Member Growth 5.1 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.55% | +0.37 pp |
| Delinquency Rate | 1.63% | +0.75 pp |
| Return on Assets | 0.73% | +0.22 pp |
| Member Growth | -2.16% | - |
| Loan-to-Share Ratio | 78.63% | -5.27 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $521.3M | - |
| 2025Q4 | $521.1M | 41,557 |
| 2024Q4 | $506.9M | 42,473 |
| 2023Q4 | $451.4M | 41,376 |
Credit Union Details
- Charter Number
- 5547
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- MCALLEN
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, Security First runs 9 offices in 8 different cities.
| Office | City |
|---|---|
| Edinburg Branch (Main Office) | EDINBURG, TX |
| Brownville Price Branch | Brownsville, TX |
| 802 Branch | Brownsville, TX |
| Harlingen Branch | Harlingen, TX |
| McAllen Branch | McAllen, TX |
| Mission Branch | Mission, TX |
| Pharr | Pharr, TX |
| San Benito Branch | San Benito, TX |
| Weslaco Branch | Weslaco, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Security First - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($521.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Security First ranks #2,751 of 4,374 nationally on financial health and #246 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COASTLIFE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COASTLIFE
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 First financially healthy?
A 11.55% net worth ratio and a 1.63% delinquency rate feed into Security First's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,751 of 4,374; by total assets it ranks #733 of 4,374 nationally (same basis as /rankings/largest); and #63 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Security First compare to other credit unions?
Five weighted metrics from NCUA filings produce Security First's 80/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 First?
Security First operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Security First directly for the exact boundaries and application steps.
Is my money safe at Security First?
Federal credit unions like Security First 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 First's net worth ratio of 11.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Security First offer compared to banks?
Credit unions like Security First 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 First 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.