Service One

Bowling Green, KY · 2 · Charter #62484 · www.socu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$265.1M
6th percentile
Members
17,442
14th percentile
Total loans
$207.0M
23th percentile
Total shares
$224.9M
4th percentile

Profitability

Return on assets
0.94%
46th percentile
Net interest margin
3.68%
66th percentile
Efficiency ratio
61.31%
39th percentile
Non-interest income ratio
24.88%
80th percentile

Capital & Risk

Net worth ratio
9.45%
25th percentile
Delinquency rate
0.90%
33th percentile
Net charge-off rate
0.68%
26th percentile
Loan-to-share
92.02%
79th percentile

Growth

Member growth YoY
3.31%
79th percentile
Asset growth YoY
-2.34%
8th percentile
Loan growth YoY
-5.17%
8th percentile
Share growth YoY
7.93%
78th percentile

Operations

Members / branch
2,907
14th percentile
Assets / member
$15,202
40th percentile
Field of membership penetration
3.20%
40th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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