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
Call Report peers
Security First in the assets neighbourhood
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Security First vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Security First sits in 80-84 with 767 others.
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 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).
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.
- One place up in Texas, SYNERGY (#245) ties at 80/100; one place down, Access Community (#247) ties at 80/100.
How Security First's 5300 filing moved
Security First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $521.1M (2025Q4) to $521.3M (2026Q1).
- Net-worth ratio shifted +0.41 pp (11.14% → 11.55%).
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
Security First gives up 20 points in total. Member Growth costs the most, 9.9 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Security First financially healthy?
Security First has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,751 of 4,374 nationally on health and #246 of 386 in Texas. Its net worth ratio is 11.55% and its delinquency rate 1.63%.
How does Security First compare to other credit unions?
Security First scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (11.55% vs 11.18%). Its widest shortfall is loan-to-share ratio (78.63% vs 83.90%).
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?
Security First is a federal 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 First's net worth ratio of 11.55% 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.