Federal credit union · Baltimore, Maryland · NCUA charter #2769
SECURITYPLUS
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $580.6M
- Total assets
- 35,738
- Members
- 10.2%
- Net-worth ratio
SECURITYPLUS scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $580.6M; members 35,738; net-worth ratio 10.18%; health rank #2,313 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,313 of 4,374 health · 2025Q4SECURITYPLUS · health 83/100 · $580.6M · 2025Q4
- PHOTO 83/100
- BOOK 10.2%
- CHARTER 2.17%
- NCUSIF 0.74%
- CAMELS $580.6M
- HEALTH 35,738
- NW #2,313/4,374
- DELQ FAIRMONT
- ROA 2769
Call Report peers
SECURITYPLUS in the assets neighbourhood
SECURITYPLUS's $580.6M assets sit next to FAIRMONT ($580.6M) 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.
SECURITYPLUS 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
83 46th percentile higher than 46% 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
SECURITYPLUS - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #2769 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where SECURITYPLUS diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +2.41 pp (86.31% vs 83.90%).
- Widest shortfall vs peers is Delinquency Rate: +1.29 pp (2.17% vs 0.87%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SECURITYPLUS: in-state Call Report ranks
- Health composite ranks #29 of 62 among scored Maryland credit unions.
- By total assets, SECURITYPLUS is #16 of 62 in Maryland.
- Membership ranks #16 of 62 among Maryland CUs with a reported count (35,738 members).
In-state ordinals use the live credit_unions table for MD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SECURITYPLUS Call Report trajectory
SECURITYPLUS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $580.6M (2025Q4) to $604.1M (2026Q1).
- Net-worth ratio shifted -0.39 pp (10.57% → 10.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.5 pts
- Return on Assets 15.0 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 14.6 pts
SECURITYPLUS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.18% | -1.00 pp |
| Delinquency Rate | 2.17% | +1.29 pp |
| Return on Assets | 0.74% | +0.23 pp |
| Member Growth | 2.43% | - |
| Loan-to-Share Ratio | 86.31% | +2.41 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).
SECURITYPLUS quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $604.1M | - |
| 2025Q4 | $580.6M | 35,738 |
| 2024Q4 | $551.7M | 34,889 |
| 2023Q4 | $579.3M | 35,918 |
Credit Union Details
- Charter Number
- 2769
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Maryland
- City
- Baltimore
- Data Quarter
- 2025Q4
Branch Locations (6)
SECURITYPLUS operates 6 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Operations Center (Main Office) | Baltimore, MD |
| Main Office | Baltimore, MD |
| Woodlawn | Baltimore, MD |
| CMS | Baltimore, MD |
| Northwest Plaza | Baltimore, MD |
| Owings Mills | Owings Mills, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
Other federally-insured credit unions in Maryland, closest first by peer group and asset size.
Cross-state Call Report peers for SECURITYPLUS
SECURITYPLUS's nationwide photo peers by assets and by health score, excluding Maryland charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($580.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- SECURITYPLUS ranks #2,313 of 4,374 nationally on financial health and #29 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Freedom of Maryland is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Freedom of Maryland
- Rates and health both vary by institution, not just by state -- see how Maryland credit unions compare overall before assuming this one is typical. Maryland 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 SECURITYPLUS financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, SECURITYPLUS carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,313 of 4,374; by total assets it ranks #693 of 4,374 nationally (same basis as /rankings/largest); and #16 of 62 within Maryland. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.18% net worth ratio and a 2.17% delinquency rate.
How does SECURITYPLUS compare to other credit unions?
On PlainCU's health composite, SECURITYPLUS lands at 83/100, 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 SECURITYPLUS?
SECURITYPLUS serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact SECURITYPLUS directly for the current list of qualifying groups.
Is my money safe at SECURITYPLUS?
Federal credit unions like SECURITYPLUS 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. SECURITYPLUS's net worth ratio of 10.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SECURITYPLUS offer compared to banks?
Credit unions like SECURITYPLUS 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 SECURITYPLUS 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.