Service 1st

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

$71.1M

22^th percentile

Members

4,705

21^th percentile

Total loans

$37.1M

23^th percentile

Total shares

$59.3M

21^th percentile

Profitability

Return on assets

2.28%

96^th percentile

Net interest margin

4.46%

88^th percentile

Efficiency ratio

61.83%

53^th percentile

Non-interest income ratio

25.89%

86^th percentile

Capital & Risk

Net worth ratio

15.98%

81^th percentile

Delinquency rate

0.35%

77^th percentile

Net charge-off rate

0.49%

35^th percentile

Loan-to-share

62.56%

40^th percentile

Growth

Member growth YoY

-0.36%

53^th percentile

Asset growth YoY

-1.90%

11^th percentile

Loan growth YoY

-6.22%

14^th percentile

Share growth YoY

-4.24%

5^th percentile

Operations

Members / branch

4,705

80^th percentile

Assets / member

$15,111

56^th percentile

Field of membership penetration

3.41%

38^th percentile

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