BlastPoint's Credit Union Scorecard
SECURITY SERVICE
Charter #11065 · TX
SECURITY SERVICE has 1 strength but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 4.0% in tier
- - Liquidity Strain: Bottom 8.0% in tier
- - Credit Quality Pressure: Bottom 20.0% in tier
- - Institutional Decline: Bottom 68.0% in tier
- - Indirect Auto Dependency: Bottom 76.0% in tier
- - Membership Headwinds: Bottom 96.0% in tier
- - Stagnation Risk: Bottom 96.0% in tier
- - ROA 0.49% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 25 credit unions with $10B+ in assets nationally, and 1 of 2 that size in Texas.
- Shares and deposits +3.1% year over year ($11.2B in shares and deposits).
- Membership: 721,020 members, -3.6% vs a year ago.
- Delinquency rate 1.03%.
- Return on assets 0.54%.
- Efficiency ratio 81.60% vs a 61.57% peer average.
- Loan-to-share ratio 101.87% vs a 87.50% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
721,020
-3.6% YoY-2.8% QoQ
|
-950.9K |
1,671,910
-4.2% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$14.4B
+2.4% YoY+1.0% QoQ
|
$-13.3B |
$27.7B
+0.2% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$11.4B
-4.2% YoY-0.9% QoQ
|
$-8.6B |
$20.0B
-0.9% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
36% |
| Deposits |
$11.2B
+3.1% YoY-0.2% QoQ
|
$-12.3B |
$23.5B
+0.4% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
28% |
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| ROA |
0.5%
+15.4% YoY-1.6% QoQ
|
-0.5% |
1.0%
+45.0% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
3.0%
+5.1% YoY+1.2% QoQ
|
-0.3% |
3.2%
+5.4% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
81.6%
+3.4% YoY-1.0% QoQ
|
+20.0% |
61.6%
-6.2% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.0% in tier |
| Delinquency Rate |
1.0%
+31.2% YoY+27.4% QoQ
|
+0.0 |
1.0%
-2.7% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
101.9%
-7.2% YoY-0.7% QoQ
|
+14.4% |
87.5%
-3.0% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 8.0% in tier |
| AMR |
$31,424
+3.0% YoY+2.4% QoQ
|
$-1K |
$32,850
+5.7% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
44.8%
-2.1% YoY-1.0% QoQ
|
+14.6% | 30.2% | 21.6% | 20.0% | Top 12.0% in tier |
| Indirect Auto % |
28.9%
-8.1% YoY-2.6% QoQ
|
+13.9% | 15.0% | 6.9% | 7.7% | 80% |
Signature Analysis
Strengths (0)
Concerns (7)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)