SECURITYPLUS

Charter #2769 | MD

500M-750M (169 CUs) Community (281 CUs)
6 500M-750M in MD

SECURITYPLUS has 3 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 8.1% in tier
  • + Relationship Depth Leader: Top 15.6% in tier
  • + Net Interest Margin 0.16% above tier average

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 14.6% in tier
  • - Credit Quality Pressure: Bottom 23.2% in tier
  • - Membership Headwinds: Bottom 31.1% in tier
  • - Stagnation Risk: Bottom 31.9% in tier
  • - ROA 0.55% below tier average
  • - Efficiency ratio 0.25% above tier (higher cost structure)
  • - Delinquency rate 1.03% above tier average
  • - Fee Income Per Member: Bottom 7.7% in tier
  • - Total Delinquency Rate (60+ days): Bottom 7.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 35,849
-0.7% YoY+0.9% QoQ
 -3.9K 39,752
-2.7% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 42nd in tier
Assets $576.2M
+3.2% YoY-0.2% QoQ
 $-46.2M $622.4M
+0.3% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 33rd in tier
Loans $441.6M
+10.5% YoY+7.4% QoQ
 +$5.7M $435.9M
-0.4% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 51st in tier
Deposits $501.5M
+4.0% YoY-0.6% QoQ
 $-36.5M $538.0M
+1.3% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 32nd in tier
ROA 0.1%
-90.7% YoY-920.3% QoQ
 -0.5% 0.7%
+33.9% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 Bottom 9.5% in tier
NIM 3.6%
-2.6% YoY+1.7% QoQ
 +0.2% 3.4%
+8.6% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 62nd in tier
Efficiency Ratio 78.3%
+25.7% YoY+1.9% QoQ
 +0.2% 78.1%
-3.4% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 50th in tier
Delinquency Rate 1.8%
+3.2% YoY+9.1% QoQ
 +1.0 0.8%
-4.9% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 Top 7.7% in tier
Loan To Share 88.1%
+6.3% YoY+8.0% QoQ
 +7.0% 81.0%
-1.8% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 64th in tier
AMR $26,309
+7.7% YoY+2.0% QoQ
 $-172 $26,482
+2.6% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 57th in tier
CD Concentration 25.5%
+13.2% YoY-0.7% QoQ
 +1.1% 24.4%
+4.2% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 54th in tier
Indirect Auto % 15.0%
-10.3% YoY-1.1% QoQ
 +1.0% 14.0%
-5.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 61st in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#224 of 1006 • Top 8.1% in tier

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

Why This Signature
AMR Growth (YoY): 7.72%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#430 of 1006 • Top 15.6% in tier

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

Why This Signature
AMR Growth (YoY): 7.72%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.2K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Growth-at-Risk

risk
#220 of 446 • Bottom 14.6% in tier

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

Why This Signature
Loan Growth (YoY): 10.52%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.06% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#574 of 736 • Bottom 23.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.06% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Membership Headwinds

decline
#512 of 550 • Bottom 31.1% in tier

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

Why This Signature
Member Growth (YoY): -0.72%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk
#526 of 550 • Bottom 31.9% 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: 0.11%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.72%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $26.3K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 25.54%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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 169 peers in tier

Top Strengths (2 metrics)

26
Loan Growth Rate
growth
Value: 10.52%
Peer Avg: 4.04%
#26 of 169 Top 14.8% in 500M-750M tier
29
AMR Growth Rate
growth
Value: 7.72%
Peer Avg: 3.12%
#29 of 169 Top 16.6% in 500M-750M tier

Top Weaknesses (4 metrics)

157
Fee Income Per Member
profitability
Value: $114.60
Peer Avg: $199.27
#157 of 169 Bottom 7.7% in 500M-750M tier
157
Total Delinquency Rate (60+ days)
risk
Value: 1.82%
Peer Avg: 0.80%
#157 of 169 Bottom 7.7% in 500M-750M tier
153
Return on Assets (ROA)
profitability
Value: 0.11%
Peer Avg: 0.66%
#153 of 169 Bottom 10.1% in 500M-750M tier
146
Net Charge-Off Rate
risk
Value: 0.95%
Peer Avg: 0.51%
#146 of 169 Bottom 14.2% in 500M-750M tier