TellerScore

Headquartered in Keokuk, Iowa, S E C U Credit Union is a federally insured state-chartered credit union with $1.8M in total assets and $1.2M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1963.

S E C U Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 44% of its 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 39th. Capital cushion contributes the most (100/100, 35.35%); loan quality contributes the least (13/100, 2.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 35.35%
Loan quality13/100
Loans 60+ days delinquent ÷ total loans: 2.61%
Earnings100/100
Return on assets (annualized): 2.37%
Funding & liquidity65/100
Loans ÷ shares: 95.4% · 0.0% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.36%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (80 → 72), mostly because the loan quality component weakened by 24 points.

TellerScore
688092Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202492
Q4 202492
Q1 202591
Q2 202580
Q3 202570
Q4 202572
Q1 202668
Q2 202672
Net worth ratio
7.00%21.80%36.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202430.30%
Q3 202430.90%
Q4 202434.25%
Q1 202532.19%
Q2 202531.45%
Q3 202531.64%
Q4 202535.30%
Q1 202636.60%
Q2 202635.35%
Delinquent loans (60+ days)
0.12%2.05%3.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.89%
Q3 20240.41%
Q4 20240.14%
Q1 20250.12%
Q2 20251.90%
Q3 20253.21%
Q4 20252.62%
Q1 20263.99%
Q2 20262.61%
Return on assets
1.62%2.18%2.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.42%
Q3 20242.49%
Q4 20242.52%
Q1 20251.62%
Q2 20252.08%
Q3 20252.50%
Q4 20252.74%
Q1 20262.29%
Q2 20262.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$1.8M35.35%2.61%2.37%95.4%
Q1 202668$1.7M36.60%3.99%2.29%98.8%
Q4 202572$1.8M35.30%2.62%2.74%99.6%
Q3 202570$1.9M31.64%3.21%2.50%86.0%
Q2 202580$1.9M31.45%1.90%2.08%86.8%
Q1 202591$1.8M32.19%0.12%1.62%95.1%
Q4 202492$1.7M34.25%0.14%2.52%103.1%
Q3 202492$1.8M30.90%0.41%2.49%89.0%
Q2 202488$1.8M30.30%0.89%2.42%89.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio35.35%
96th
Problem loans2.61%
15th
Net charge-offs0.52%
26th
Return on assets2.37%
97th
Loans to deposits95.4%
5th
Uninsured deposits0.0%
81st
Loan-loss reserves2.24%
91st
Texas ratio4.4%
33rd

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Waterloo Firemen'S Credit UnionCredit union Waterloo, IA90 out of 100, Very strong$2.9M13.3%0.00%vs
St. Athanasius Credit UnionCredit union Jesup, IA63 out of 100, Moderate$441K25.3%6.68%vs
Lee County Credit UnionCredit union Keokuk, IA91 out of 100, Very strong$3.2M31.8%0.00%vs
St. Ludmila S Credit UnionCredit union Cedar Rapids, IA79 out of 100, Strong$372K29.6%1.41%vs
Des Moines Fire Department Credit UnionCredit union Des Moines, IA70 out of 100, Strong$3.4M24.1%2.04%vs
Dubuque Postal Employees Credit UnionCredit union Dubuque, IA92 out of 100, Very strong$4.3M15.3%0.00%vs

Deposit insurance

Is my money safe at S E C U Credit Union?

Yes. S E C U Credit Union is a federally insured credit union (NCUA charter #64269). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 35.35%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

S E C U Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
S E C U Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64269
RSSD ID
86198
Primary regulator
State + NCUA
Established
1963
Headquarters
3200 MAIN St, Keokuk, IA 52632
Employees
1

Quick answers

S E C U Credit Union: common questions

Is S E C U Credit Union NCUA insured?

Yes. S E C U Credit Union is a federally insured credit union (NCUA charter #64269). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is S E C U Credit Union's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does S E C U Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Keokuk

InstitutionScoreAssetsCapitalProblem loansCompare
Town & Country Bank MidwestBank Quincy, IL92 out of 100, Very strong$279.3M14.9%0.15%vs
Lee County Credit UnionCredit union Keokuk, IA91 out of 100, Very strong$3.2M31.8%0.00%vs
State Central BankBank Bonaparte, IA84 out of 100, Strong$63.2M16.1%1.11%vs
Du Pont Employees Credit UnionCredit union Fort Madison, IA84 out of 100, Strong$6.8M11.8%0.00%vs
The Bank of AdvanceBank Advance, MO81 out of 100, Strong$509.9M13.0%0.75%vs
Farmers Savings BankBank Wever, IA80 out of 100, Strong$130.5M13.7%0.27%vs