Service One Credit Union
Total assets
$270.8M
▲ +0.1% YoY
Shares & deposits
$245.1M
▲ +3.9% YoY
Loans
$202.6M
▼ -4.9% YoY
Members
17,671
▲ +3.3% YoY
ROA (annualized)
0.41%
peers 0.69%
ROE (annualized)
4.38%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +3.9% | -3.8 pts |
| Share growth (YoY) | +3.9% | +3.3% | +0.6 pts |
| Loan growth (YoY) | -4.8% | +2.9% | -7.8 pts |
| ROA | 0.41% | 0.69% | -0.3 pts |
| ROE | 4.4% | 5.9% | -1.6 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
Profile
- Established
- 1963
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 51770, Bowling Green, KY, 42102
- NCUA charter #
- 62484
- RSSD ID
- 608899
- 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 | $270.8M | $245.1M | $202.6M | $25.3M | $277K | 0.41% | 3.52% | 0.84% | 17,671 |
| Q4 2025 | $265.1M | $239.6M | $207.0M | $25.1M | $1.9M | 0.73% | 3.68% | 0.90% | 17,442 |
| Q3 2025 | $272.0M | $240.9M | $209.9M | $24.4M | $1.1M | 0.52% | 3.51% | 1.46% | 17,301 |
| Q2 2025 | $270.3M | $240.5M | $212.7M | $23.7M | $394K | 0.29% | 3.47% | 1.30% | 17,368 |
| Q1 2025 | $270.4M | $235.9M | $213.0M | $23.4M | $118K | 0.17% | 3.39% | 0.90% | 17,109 |
| Q4 2024 | $271.5M | $228.3M | $218.3M | $23.3M | $567K | 0.21% | 3.42% | 0.70% | 16,883 |
| Q3 2024 | $276.7M | $232.2M | $222.3M | $23.4M | $433K | 0.21% | 3.36% | 0.73% | 17,166 |
| Q2 2024 | $271.4M | $225.8M | $223.6M | $23.5M | $519K | 0.38% | 3.49% | 0.65% | 17,021 |
Loan mix (Q1 2026): real estate $97.9M · commercial $29.2M · consumer $63.8M · securities $18.2M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Service One Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.69% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 5.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.62% | 44th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.0% | 78.7% | 85th | |
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 | Service One Credit Union | 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 | Service One Credit Union | 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 | Service One Credit Union | 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 | Service One Credit Union | 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.
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