BlastPoint's Credit Union Scorecard
SECURITY SERVICE
Charter #11065 · TX
SECURITY SERVICE has 4 strengths but faces 9 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
- + Wallet Share Momentum: Top 50.0% 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
- - Credit Risk Growth: 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
|
24% |
| 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
|
33% |
| 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
|
29% |
| 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 |
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| 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
|
29% |
| 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
|
43% |
| 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
|
38% |
| 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
|
57% |
| 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
|
81% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)