Security Service Federal Credit Union (11065), a $14.1B credit union headquartered in San Antonio, TX, led by CEO Chapman, reported 750,086 members at the end of 2025 Q3, a decrease of 10,062 members (-1.3%) compared to the same quarter last year.
Membership decline may reflect competitive pressure, field of membership constraints, or strategic focus on member quality over quantity.
Per-Member Economics
Security Service Federal Credit Union's 750,086 members maintain an average of $15K in deposits and $16K in loans. Per-member balances growing faster than membership indicates deepening wallet share—a positive sign for member engagement.
Membership Trends
Recent membership trends warrant strategic review of acquisition channels and member value proposition.
Quarterly Membership Trend
| Period | Members | QoQ Change | Assets/Member |
|---|---|---|---|
| 2024 Q2 | 759,933 | $18K | |
| 2024 Q3 | 760,148 | +0.0% | $18K |
| 2024 Q4 | 749,576 | -1.4% | $18K |
| 2025 Q1 | 763,436 | +1.8% | $18K |
| 2025 Q2 | 747,840 | -2.0% | $19K |
| 2025 Q3 | 750,086 | +0.3% | $19K |
Source: NCUA 5300 Call Reports
Field of Membership Penetration
Security Service Federal Credit Union has a defined field of membership comprising 5,590,694 potential members. With 750,086 current members, the credit union achieves a 13.4% penetration rate, representing significant untapped growth potential.
Historical Context: Since the 2008 Crisis
Security Service Federal Credit Union's membership has grown 11% since Q3 2008, when the financial crisis peaked. At that time, the credit union served 675,797 members.
This growth trajectory demonstrates steady member acquisition through multiple economic cycles.
Peer Comparison
Among 43 credit unions in its $7.1B–$21.2B asset peer group, Security Service Federal Credit Union ranks in the 13th percentile for membership growth. This suggests room for improvement in member acquisition and retention strategies.
Outlook
Security Service Federal Credit Union's membership trajectory will depend on its ability to differentiate through service quality, digital capabilities, and community engagement in an increasingly competitive landscape.
Security Service Federal Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether the credit union can stabilize and reverse membership trends.
Track This Credit Union
Monitor Security Service Federal Credit Union's quarterly membership trends, per-member economics, and engagement metrics with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Per-member metrics calculated by dividing totals by member count.