Headquartered in McAllen, Texas, Security First Federal Credit Union is a federal credit union with $516.6M in total assets and $449.1M in member shares and deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1947.
Security First Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 233rd. Problem-loan coverage contributes the most (83/100, 8.5%); loan quality contributes the least (56/100, 1.32%).
TellerScore · Q2 2026
Scorecard
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 rose 5 points (63 → 68), mostly because the capital cushion component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 57 |
| Q4 2024 | 63 |
| Q1 2025 | 66 |
| Q2 2025 | 63 |
| Q3 2025 | 62 |
| Q4 2025 | 61 |
| Q1 2026 | 71 |
| Q2 2026 | 68 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.27% |
| Q3 2024 | 10.11% |
| Q4 2024 | 10.54% |
| Q1 2025 | 10.50% |
| Q2 2025 | 10.75% |
| Q3 2025 | 10.96% |
| Q4 2025 | 11.14% |
| Q1 2026 | 11.55% |
| Q2 2026 | 11.87% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 1.25% |
| Q4 2024 | 1.13% |
| Q1 2025 | 1.08% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.44% |
| Q4 2025 | 1.63% |
| Q1 2026 | 1.32% |
| Q2 2026 | 1.32% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.68% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.75% |
| Q1 2025 | 1.10% |
| Q2 2025 | 1.10% |
| Q3 2025 | 0.85% |
| Q4 2025 | 0.89% |
| Q1 2026 | 1.63% |
| Q2 2026 | 1.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $516.6M | 11.87% | 1.32% | 1.26% | 87.5% |
| Q1 2026 | 71 | $521.3M | 11.55% | 1.32% | 1.63% | 79.1% |
| Q4 2025 | 61 | $521.1M | 11.14% | 1.63% | 0.89% | 78.6% |
| Q3 2025 | 62 | $517.5M | 10.96% | 1.44% | 0.85% | 80.6% |
| Q2 2025 | 63 | $523.8M | 10.75% | 1.43% | 1.10% | 79.0% |
| Q1 2025 | 66 | $522.4M | 10.50% | 1.08% | 1.10% | 77.6% |
| Q4 2024 | 63 | $506.9M | 10.54% | 1.13% | 0.75% | 77.3% |
| Q3 2024 | 57 | $502.4M | 10.11% | 1.25% | 0.30% | 76.1% |
| Q2 2024 | 63 | $500.1M | 10.27% | 0.97% | 0.68% | 77.8% |
1,341 peers · $100 million – $1 billion
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Coastlife Credit UnionCredit union Corpus Christi, TX | 67 out of 100, Moderate | $519.7M | 11.7% | 0.89% | vs |
| Nizari Progressive Federal Credit UnionCredit union Sugar Land, TX | 71 out of 100, Strong | $504.8M | 9.2% | 0.16% | vs |
| Genco Federal Credit UnionCredit union Waco, TX | 96 out of 100, Very strong | $494.7M | 14.3% | 0.19% | vs |
| Resource One Credit UnionCredit union Dallas, TX | 60 out of 100, Moderate | $555.2M | 10.4% | 2.33% | vs |
| My Community Credit UnionCredit union Midland, TX | 55 out of 100, Moderate | $555.3M | 10.3% | 1.24% | vs |
| Soarion Federal Credit UnionCredit union San Antonio, TX | 55 out of 100, Moderate | $555.6M | 6.8% | 1.01% | vs |
Deposit insurance
Is my money safe at Security First Federal Credit Union?
Yes. Security First Federal Credit Union is a federally insured credit union (NCUA charter #5547). 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 5.6% of shares and deposits ($25.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 11.87%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
8 locations
Branches
Security First Federal Credit Union lists 8 offices in 7 cities. Most locations:
- Brownsville, TX (2)
- Edinburg, TX (1)
- Harlingen, TX (1)
- McAllen, TX (1)
- Mission, TX (1)
- San Benito, TX (1)
- Weslaco, TX (1)
HMDA 2025
Mortgage lending
In 2025, Security First Federal Credit Union reported 88 home-loan applications under HMDA (LEI 549300CZYL6IDJDBUR04): 37 originated ($7,745,000 total), 33 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 45.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Security First Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 5547
- RSSD ID
- 619774
- Primary regulator
- NCUA
- Established
- 1947
- Headquarters
- P.O. Box 4829, McAllen, TX 78502
- Employees
- 126
Quick answers
Security First Federal Credit Union: common questions
Is Security First Federal Credit Union NCUA insured?
Yes. Security First Federal Credit Union is a federally insured credit union (NCUA charter #5547). 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 Security First Federal Credit Union's TellerScore?
68 out of 100 (Moderate), 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 Security First Federal Credit Union have?
8 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near McAllen
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Highway District 21 Federal Credit UnionCredit union McAllen, TX | 95 out of 100, Very strong | $51.6M | 23.1% | 0.23% | vs |
| Naft Federal Credit UnionCredit union Pharr, TX | 93 out of 100, Very strong | $162.3M | 16.4% | 0.50% | vs |
| Bank of South TexasBank Mcallen, TX | 86 out of 100, Very strong | $174.5M | 16.6% | 0.23% | vs |
| Edinburg Teachers Credit UnionCredit union Edinburg, TX | 85 out of 100, Very strong | $98.0M | 22.6% | 0.12% | vs |
| Falcon International BankBank Laredo, TX | 85 out of 100, Very strong | $2.2B | 13.4% | 0.00% | vs |
| Texas Community BankBank Laredo, TX | 84 out of 100, Strong | $2.2B | 12.8% | 0.20% | vs |