Service Federal Credit Union
Total assets
$6.63B
▲ +10.0% YoY
Shares & deposits
$5.79B
▲ +10.0% YoY
Loans
$5.36B
▲ +7.4% YoY
Members
383,839
▲ +4.5% YoY
ROA (annualized)
0.94%
peers 0.71%
ROE (annualized)
7.96%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.0% | +5.1% | +4.8 pts |
| Share growth (YoY) | +10.0% | +4.9% | +5.1 pts |
| Loan growth (YoY) | +7.4% | +5.4% | +2.0 pts |
| ROA | 0.94% | 0.71% | +0.2 pts |
| ROE | 8.0% | 6.3% | +1.7 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
Profile
- Established
- 1957
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 3003 Lafayette Rd, Portsmouth, NH, 03801
- NCUA charter #
- 24921
- RSSD ID
- 839581
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.63B | $5.79B | $5.36B | $780.9M | $15.5M | 0.94% | 3.67% | 2.68% | 383,839 |
| Q4 2025 | $6.46B | $5.63B | $5.32B | $765.4M | $67.6M | 1.05% | 3.60% | 2.80% | 380,457 |
| Q3 2025 | $6.30B | $5.48B | $5.34B | $748.3M | $50.5M | 1.07% | 3.59% | 1.55% | 377,536 |
| Q2 2025 | $6.14B | $5.36B | $5.17B | $734.0M | $32.8M | 1.07% | 3.56% | 1.18% | 372,371 |
| Q1 2025 | $6.03B | $5.26B | $4.99B | $718.2M | $17.0M | 1.12% | 3.50% | 1.12% | 367,338 |
| Q4 2024 | $5.80B | $5.05B | $4.83B | $701.3M | $65.3M | 1.13% | 3.44% | 0.52% | 362,637 |
| Q3 2024 | $5.72B | $4.98B | $4.67B | $684.9M | $49.0M | 1.14% | 3.43% | 0.51% | 360,846 |
| Q2 2024 | $5.62B | $4.90B | $4.54B | $673.4M | $34.2M | 1.21% | 3.43% | 0.48% | 360,307 |
Loan mix (Q1 2026): real estate $2.06B · commercial $744.0M · consumer $2.44B · securities $547.8M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.71% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 6.3% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.32% | 73th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 73.0% | 16th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- University Of Wisconsin Credit UnionMadison, WI · $6.60B
- Community First Credit UnionAppleton, WI · $6.66B
- Gesa Credit UnionRichland, WA · $6.72B
- Baxter Credit UnionVernon Hills, IL · $6.50B
- Citadel Federal Credit UnionExton, PA · $6.77B
- Wescom Central Credit UnionPasadena, CA · $6.47B
Selling to Service Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.