TellerScore

Headquartered in San Antonio, Texas, Security Service Federal Credit Union is a federal credit union with $14.4B in total assets and $11.2B in member shares and deposits as of Q2 2026. It operates 46 offices across 3 states. Its charter dates back to 1956.

Security Service Federal Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 25 credit unions with over $10 billion. Among 380 credit unions headquartered in Texas, it ranks 283rd. Problem-loan coverage contributes the most (84/100, 8.0%); earnings contributes the least (41/100, 0.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.26%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.03%
Earnings41/100
Return on assets (annualized): 0.53%
Funding & liquidity58/100
Loans ÷ shares: 101.9% · 12.7% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.99%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 61).

TellerScore
596163Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202461
Q3 202461
Q4 202459
Q1 202561
Q2 202561
Q3 202560
Q4 202559
Q1 202663
Q2 202661
Net worth ratio
7.00%9.13%11.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.98%
Q3 202411.05%
Q4 202410.96%
Q1 202510.96%
Q2 202510.98%
Q3 202511.03%
Q4 202511.02%
Q1 202611.19%
Q2 202611.26%
Delinquent loans (60+ days)
0.69%0.87%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.80%
Q3 20240.88%
Q4 20241.00%
Q1 20250.69%
Q2 20250.78%
Q3 20250.92%
Q4 20251.04%
Q1 20260.81%
Q2 20261.03%
Return on assets
0.41%0.51%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.61%
Q3 20240.56%
Q4 20240.53%
Q1 20250.41%
Q2 20250.46%
Q3 20250.50%
Q4 20250.56%
Q1 20260.54%
Q2 20260.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$14.4B11.26%1.03%0.53%101.9%
Q1 202663$14.2B11.19%0.81%0.54%102.6%
Q4 202559$14.2B11.02%1.04%0.56%105.8%
Q3 202560$14.1B11.03%0.92%0.50%108.1%
Q2 202561$14.0B10.98%0.78%0.46%109.7%
Q1 202561$14.1B10.96%0.69%0.41%108.8%
Q4 202459$13.7B10.96%1.00%0.53%109.0%
Q3 202461$13.6B11.05%0.88%0.56%109.0%
Q2 202461$13.5B10.98%0.80%0.61%110.7%

25 peers · Over $10 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).

Capital ratio11.26%
58th
Problem loans1.03%
46th
Net charge-offs0.36%
83rd
Return on assets0.53%
21st
Loans to deposits101.9%
4th
Uninsured deposits12.7%
46th
Loan-loss reserves0.00%
50th
Texas ratio8.0%
46th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Randolph-Brooks Federal Credit UnionCredit union Universal City, TX76 out of 100, Strong$19.6B13.4%1.27%vs

Deposit insurance

Is my money safe at Security Service Federal Credit Union?

Yes. Security Service Federal Credit Union is a federally insured credit union (NCUA charter #11065). 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 12.7% of shares and deposits ($1.4B) are above the $250,000 NCUA insurance limit, close to the peer median of 12%. Insured balances are protected regardless of the score.

The net worth ratio is 11.26%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

46 locations

Branches

Security Service Federal Credit Union lists 46 offices in 26 cities across 3 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 239 consumer complaints about SECURITY SERVICE FEDERAL CREDIT UNION to the company (108 in the last 12 months). 100.0% received a timely response. That is 21.3 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

HMDA 2025

Mortgage lending

In 2025, Security Service Federal Credit Union reported 6,136 home-loan applications under HMDA (LEI 5493008N1D96CHCTQC27): 3,637 originated ($724,895,000 total), 1,674 denied, and 708 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.8%, 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.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Power Credit Card10.99% – 18.00%$0$251.1%

All Security Service Federal Credit Union card terms

Identity & history

Profile

Legal name
Security Service Federal Credit Union
Type
Federal credit union
NCUA charter #
11065
RSSD ID
666581
Primary regulator
NCUA
Established
1956
Headquarters
PO Box 691510, San Antonio, TX 78269
Employees
2,025

Quick answers

Security Service Federal Credit Union: common questions

Is Security Service Federal Credit Union NCUA insured?

Yes. Security Service Federal Credit Union is a federally insured credit union (NCUA charter #11065). 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 Service Federal Credit Union's TellerScore?

61 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 Service Federal Credit Union have?

46 offices as of the latest NCUA data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near San Antonio

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX93 out of 100, Very strong$29.6M15.7%0.08%vs
Schertz Bank & TrustBank Schertz, TX90 out of 100, Very strong$770.1M15.2%0.05%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
H E B Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$218.2M18.3%0.19%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs