S E C U
Charter #64269 | IA
<100M
(2596 CUs)
Micro
($0-$500M)
39 <100M in IA
S E C U has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.85% above tier average
- + Net Interest Margin 1.79% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.8% in tier
- + Members Per Employee (MPE): Top 4.3% in tier
- + Net Worth Ratio: Top 5.2% in tier
- + Efficiency Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.70% above tier average
- - Average Member Relationship (AMR): Bottom 5.2% in tier
- - Total Deposits: Bottom 8.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.4% in tier
- - Total Assets: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
721
-1.1% YoY0% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Bottom 20.6% in tier |
| Assets |
$1.9M
+5.3% YoY+2.2% QoQ
|
$-27.9M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.5% in tier |
| Loans |
$1.1M
+0.8% YoY+1.1% QoQ
|
$-14.6M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.2% in tier |
| Deposits |
$1.3M
+4.2% YoY+1.9% QoQ
|
$-24.2M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.6% in tier |
| ROA |
2.5%
+1.7% YoY+18.9% QoQ
|
+1.8% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
Top 3.5% in tier |
| NIM |
5.7%
-0.9% YoY+5.4% QoQ
|
+1.8% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 5.7% in tier |
| Efficiency Ratio |
54.7%
+3.3% YoY-11.1% QoQ
|
-26.7% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.2% in tier |
| Delinquency Rate |
3.2%
+687.2% YoY+68.8% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
Top 10.9% in tier |
| Loan To Share |
86.0%
-3.3% YoY-0.8% QoQ
|
+24.8% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 15.4% in tier |
| AMR |
$3,363
+3.7% YoY+1.5% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.3%
-2.2% 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 (11 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
47
Net Charge-Off Rate
risk
Value:
-0.31%
Peer Avg: 0.57%
#47 of 2596
Top 1.8% in <100M tier
90
Return on Assets (ROA)
profitability
Value:
2.53%
Peer Avg: 0.68%
#90 of 2596
Top 3.4% in <100M tier
113
Members Per Employee (MPE)
engagement
Value:
721.000
Peer Avg: 365.701
#113 of 2596
Top 4.3% in <100M tier
136
Net Worth Ratio
risk
Value:
31.64%
Peer Avg: 16.43%
#136 of 2596
Top 5.2% in <100M tier
149
Net Interest Margin (NIM)
profitability
Value:
5.72%
Peer Avg: 3.93%
#149 of 2596
Top 5.7% in <100M tier
240
Efficiency Ratio
profitability
Value:
54.66%
Peer Avg: 81.39%
#240 of 2596
Top 9.2% in <100M tier
395
Loan-to-Share Ratio
balance_sheet
Value:
86.05%
Peer Avg: 61.23%
#395 of 2596
Top 15.2% in <100M tier
Top Weaknesses (8 metrics)
2462
Average Member Relationship (AMR)
engagement
Value:
$3,363
Peer Avg: $14,627
#2462 of 2596
Bottom 5.2% in <100M tier
2374
Total Deposits
balance_sheet
Value:
$1.30M
Peer Avg: $25.45M
#2374 of 2596
Bottom 8.6% in <100M tier
2354
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,556
Peer Avg: $5,488
#2354 of 2596
Bottom 9.4% in <100M tier
2350
Total Assets
balance_sheet
Value:
$1.92M
Peer Avg: $29.86M
#2350 of 2596
Bottom 9.5% in <100M tier
2314
Total Delinquency Rate (60+ days)
risk
Value:
3.21%
Peer Avg: 1.51%
#2314 of 2596
Bottom 10.9% in <100M tier
2299
Fee Income Per Member
profitability
Value:
$2.97
Peer Avg: $182.96
#2299 of 2596
Bottom 11.5% in <100M tier
2279
Total Loans
balance_sheet
Value:
$1.12M
Peer Avg: $15.77M
#2279 of 2596
Bottom 12.2% in <100M tier
2060
Total Members
engagement
Value:
721
Peer Avg: 2,626
#2060 of 2596
Bottom 20.7% in <100M tier