SECURITY SERVICE

Charter #11065 | TX

10B+ (21 CUs) Titans (21 CUs)
2 10B+ in TX

SECURITY SERVICE has 6 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 6.2% in tier
  • + Relationship Depth Leader: Top 9.4% in tier
  • + Emerging Performer: Top 20.0% in tier
  • + Loan-to-Share Ratio: Top 4.8% in tier
  • + AMR Growth Rate: Top 9.5% in tier
  • + Net Charge-Off Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 9.4% in tier
  • - Indirect Auto Dependency: Bottom 12.0% in tier
  • - Stagnation Risk: Bottom 12.5% in tier
  • - Credit Quality Pressure: Bottom 23.5% in tier
  • - Membership Headwinds: Bottom 25.0% in tier
  • - Growth-at-Risk: Bottom 29.3% in tier
  • - ROA 0.26% below tier average
  • - Efficiency ratio 14.74% above tier (higher cost structure)
  • - Share Certificate Concentration (%): Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 750,086
-1.3% YoY+0.3% QoQ
 -1.1M 1,822,416
+4.1% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Bottom 23.8% in tier
Assets $14.1B
+3.6% YoY+0.9% QoQ
 $-14.6B $28.7B
+4.2% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 33rd in tier
Loans $11.9B
+5.1% YoY-0.6% QoQ
 $-9.2B $21.1B
+5.8% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 29th in tier
Deposits $11.0B
+6.0% YoY+0.9% QoQ
 $-13.4B $24.4B
+7.2% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Bottom 9.5% in tier
ROA 0.5%
-10.2% YoY+8.6% QoQ
 -0.3% 0.8%
+17.7% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 29th in tier
NIM 2.9%
+5.2% YoY+1.5% QoQ
 -0.2% 3.1%
+10.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 43rd in tier
Efficiency Ratio 79.0%
+1.9% YoY+0.1% QoQ
 +14.7% 64.3%
-4.3% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Top 9.5% in tier
Delinquency Rate 0.9%
+4.5% YoY+17.0% QoQ
 -0.3 1.2%
+9.7% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 38th in tier
Loan To Share 108.1%
-0.8% YoY-1.5% QoQ
 +18.3% 89.8%
-0.3% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 9.5% in tier
AMR $30,471
+7.0% YoY-0.2% QoQ
 $-714 $31,184
+7.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 57th in tier
CD Concentration 45.6%
+2.1% YoY-0.5% QoQ
 +13.7% 31.9%
+2.0% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Top 9.5% in tier
Indirect Auto % 31.2%
+8.2% YoY-0.8% QoQ
 +16.9% 14.2%
-8.9% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 19.0% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#3 of 14 • Top 6.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.97%
(Tier: 2.80%, National: 4.19%)
better than tier avg
14 of 21 Titans CUs have this signature | 1330 nationally
↑ Growing +8 CUs YoY

Relationship Depth Leader

growth
#4 of 14 • Top 9.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.97%
(Tier: 2.80%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $2.9K, National: $2.0K)
but worse than tier avg
14 of 21 Titans CUs have this signature | 1330 nationally
↑ Growing +8 CUs YoY

Emerging Performer

growth
#7 of 10 • Top 20.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.50%
(Tier: 0.76%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -1.32%
(Tier: 3.59%, National: 9.37%)
but worse than tier avg
10 of 21 Titans CUs have this signature | 852 nationally
→ Stable (10→10 CUs)

Concerns (6)

Liquidity Strain

risk
#4 of 11 • Bottom 9.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 108.12%
(Tier: 89.80%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 5.14%
(Tier: 6.37%, National: 36.38%)
worse than tier avg
11 of 21 Titans CUs have this signature | 484 nationally
→ Stable (11→11 CUs)

Indirect Auto Dependency

risk
#4 of 8 • Bottom 12.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.64%
(Tier: 4.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 31.17%
(Tier: 14.25%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.32%
(Tier: 3.59%, National: 9.37%)
worse than tier avg
8 of 21 Titans CUs have this signature | 768 nationally
→ Stable (8→8 CUs)

Stagnation Risk

risk
#2 of 3 • Bottom 12.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.50%
(Tier: 0.76%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.32%
(Tier: 3.59%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $30.5K
(Tier: $31.2K, National: $19.4K)
worse than tier avg
CD Concentration: 45.57%
(Tier: 31.91%, National: 19.60%)
worse than tier avg
3 of 21 Titans CUs have this signature | 648 nationally
→ Stable (3→3 CUs)

Credit Quality Pressure

risk
#13 of 15 • Bottom 23.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.04% points
(Tier: 0.10% points, National: 0.07% points)
but better than tier avg
15 of 21 Titans CUs have this signature | 1002 nationally
↓ Shrinking -6 CUs YoY | Rank worsening

Membership Headwinds

decline
#3 of 3 • Bottom 25.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.32%
(Tier: 3.59%, National: 9.37%)
worse than tier avg
3 of 21 Titans CUs have this signature | 648 nationally
→ Stable (3→3 CUs)

Growth-at-Risk

risk
#13 of 14 • Bottom 29.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.14%
(Tier: 6.37%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.04% points
(Tier: 0.10% points, National: 0.07% points)
but better than tier avg
14 of 21 Titans CUs have this signature | 646 nationally
→ Stable (13→14 CUs) +1 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 21 peers in tier

Top Strengths (5 metrics)

2
Loan-to-Share Ratio
balance_sheet
Value: 108.12%
Peer Avg: 89.80%
#2 of 21 Top 4.8% in 10B+ tier
3
AMR Growth Rate
growth
Value: 6.97%
Peer Avg: 2.80%
#3 of 21 Top 9.5% in 10B+ tier
3
Net Charge-Off Rate
risk
Value: 0.36%
Peer Avg: 0.85%
#3 of 21 Top 9.5% in 10B+ tier
6
Fee Income Per Member
profitability
Value: $219.88
Peer Avg: $171.28
#6 of 21 Top 23.8% in 10B+ tier
6
Net Worth Ratio
risk
Value: 11.03%
Peer Avg: 10.22%
#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (6 metrics)

20
Efficiency Ratio
profitability
Value: 79.02%
Peer Avg: 64.29%
#20 of 21 Bottom 9.5% in 10B+ tier
20
Share Certificate Concentration (%)
balance_sheet
Value: 45.57%
Peer Avg: 31.91%
#20 of 21 Bottom 9.5% in 10B+ tier
19
Member Growth Rate
growth
Value: -1.32%
Peer Avg: 3.59%
#19 of 21 Bottom 14.3% in 10B+ tier
19
Total Deposits
balance_sheet
Value: $10.98B
Peer Avg: $24.43B
#19 of 21 Bottom 14.3% in 10B+ tier
18
Indirect Auto Concentration (%)
balance_sheet
Value: 31.17%
Peer Avg: 14.25%
#18 of 21 Bottom 19.0% in 10B+ tier
17
Members Per Employee (MPE)
engagement
Value: 365.717
Peer Avg: 499.855
#17 of 21 Bottom 23.8% in 10B+ tier