Service 1

Muskegon, MI · 1 · Charter #4038 · www.service1fcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$194.5M
88th percentile
Members
21,559
98th percentile
Total loans
$140.9M
93th percentile
Total shares
$157.8M
85th percentile

Profitability

Return on assets
1.59%
81th percentile
Net interest margin
4.33%
84th percentile
Efficiency ratio
64.24%
45th percentile
Non-interest income ratio
29.29%
92th percentile

Capital & Risk

Net worth ratio
18.13%
90th percentile
Delinquency rate
0.50%
65th percentile
Net charge-off rate
0.34%
49th percentile
Loan-to-share
89.31%
86th percentile

Growth

Member growth YoY
-2.13%
32th percentile
Asset growth YoY
-3.14%
7th percentile
Loan growth YoY
-2.05%
31th percentile
Share growth YoY
-5.42%
3th percentile

Operations

Members / branch
4,312
75th percentile
Assets / member
$9,023
8th percentile
Field of membership penetration
3.44%
38th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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