FINANCIAL SECURITY
Charter #62452 | NM
<100M
(2596 CUs)
Micro
($0-$500M)
22 <100M in NM
FINANCIAL SECURITY demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.13% above tier average
- + Net Interest Margin 0.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 1.9% in tier
- + Total Loans: Top 7.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,183
+0.2% YoY+1.0% QoQ
|
+2.6K |
2,625
-2.2% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
Top 13.0% in tier |
| Assets |
$61.4M
+2.1% YoY-1.4% QoQ
|
+$31.6M |
$29.9M
+1.1% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Top 16.4% in tier |
| Loans |
$44.4M
+0.1% YoY-1.3% QoQ
|
+$28.6M |
$15.8M
-2.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
Top 7.9% in tier |
| Deposits |
$51.1M
+0.3% YoY-2.2% QoQ
|
+$25.6M |
$25.5M
+0.4% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
Top 17.4% in tier |
| ROA |
1.8%
+1.9% YoY-12.2% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
Top 12.7% in tier |
| NIM |
4.0%
-2.2% YoY+1.3% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
54th in tier |
| Efficiency Ratio |
68.7%
+0.7% YoY+7.1% QoQ
|
-12.7% |
81.4%
-2.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
29th in tier |
| Delinquency Rate |
1.3%
-9.5% YoY+12.2% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
68th in tier |
| Loan To Share |
87.0%
-0.2% YoY+0.9% QoQ
|
+25.8% |
61.2%
-3.0% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Top 14.3% in tier |
| AMR |
$18,420
-0.0% YoY-2.7% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
73rd in tier |
| CD Concentration |
20.3%
-1.6% YoY+3.4% QoQ
|
-4.1% |
24.4%
+4.2% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
50
Fee Income Per Member
profitability
Value:
$322.16
Peer Avg: $182.96
#50 of 2596
Top 1.9% in <100M tier
206
Total Loans
balance_sheet
Value:
$44.41M
Peer Avg: $15.77M
#206 of 2596
Top 7.9% in <100M tier
329
Return on Assets (ROA)
profitability
Value:
1.81%
Peer Avg: 0.68%
#329 of 2596
Top 12.6% in <100M tier
338
Total Members
engagement
Value:
5,183
Peer Avg: 2,626
#338 of 2596
Top 13.0% in <100M tier
368
Loan-to-Share Ratio
balance_sheet
Value:
86.99%
Peer Avg: 61.23%
#368 of 2596
Top 14.1% in <100M tier
378
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,569
Peer Avg: $5,488
#378 of 2596
Top 14.5% in <100M tier
425
Total Assets
balance_sheet
Value:
$61.43M
Peer Avg: $29.86M
#425 of 2596
Top 16.3% in <100M tier
451
Total Deposits
balance_sheet
Value:
$51.06M
Peer Avg: $25.45M
#451 of 2596
Top 17.3% in <100M tier
Top Weaknesses (1 metrics)
1977
Net Charge-Off Rate
risk
Value:
0.65%
Peer Avg: 0.57%
#1977 of 2596
Bottom 23.9% in <100M tier