AUTOTRUCK FINANCIAL vs SERVICE ONE
Side-by-side comparison based on NCUA quarterly call report data.
SERVICE ONE scores higher on overall financial health (health score: 75/100). Higher health scores reflect stronger capital ratios, lower delinquency, and better earnings.
Financial Metrics Comparison
| Metric | AUTOTRUCK FINANCIAL | SERVICE ONE |
|---|---|---|
| Health Score 0–100, higher is better | 60 | 75 |
| Total Assets | $210.0M | $265.1M |
| Members | 17,497 | 17,442 |
| Net Worth Ratio Higher = better capitalized (≥7% = "well capitalized") | 12.80% | 9.34% |
| Delinquency Rate Lower = fewer past-due loans | 1.28% | 0.90% |
| Return on Assets (ROA) Higher = more profitable | 0.000% | 0.000% |
| Loan-to-Share Ratio Higher = more loans deployed vs deposits | 48.36% | 86.38% |
| Member Growth Year-over-year membership change | -2.6% | 3.3% |
Teal/bold = better performer on that metric. Financial ratios from most recently reported NCUA quarter.
Membership & Structure
| Detail | AUTOTRUCK FINANCIAL | SERVICE ONE |
|---|---|---|
| Location | Louisville, KY | Bowling Green, KY |
| Charter Type | State | State |
| Field of Membership | Other | Other |
| Peer Group | $100M–$500M | $100M–$500M |
| Charter Number | 68617 | 62484 |
What This Comparison Says About AUTOTRUCK FINANCIAL vs SERVICE ONE
AUTOTRUCK FINANCIAL (Louisville, KY) and SERVICE ONE (Bowling Green, KY) are both federally-insured credit unions reporting quarterly to the NCUA, but they differ meaningfully in scale and profile. AUTOTRUCK FINANCIAL holds $210.0M in assets across 17,497 members, while SERVICE ONE holds $265.1M across 17,442 members. On the composite health score, SERVICE ONE comes out ahead at 75/100 versus 60/100 for its counterpart — a gap driven by the weighted combination of capital, loan quality, earnings, growth, and liquidity metrics shown above. Charter numbers 68617 and 62484 indicate entirely separate NCUA supervisory records; they operate under peer groups $100M–$500M and $100M–$500M respectively.
Capital adequacy is the first check: AUTOTRUCK FINANCIAL's net worth ratio of 12.80% clears the NCUA's 7.0% "well capitalized" bar, while SERVICE ONE posts 9.34%. Loan quality — measured as loans 60+ days past due over total loans — comes in at 1.28% for AUTOTRUCK FINANCIAL and 0.90% for SERVICE ONE; lower is tighter. Earnings efficiency (ROA) shows 0.000% versus 0.000%, though credit unions as not-for-profit cooperatives often report ROA near zero by design, returning surplus to members through rates and dividends. Loan-to-share ratios of 48.36% and 86.38% indicate how each institution deploys member deposits — the 60–80% band is generally considered the balanced-liquidity window by industry analysts.
Both credit unions are covered by NCUSIF federal insurance up to $250,000 per depositor per ownership category, the same limit as FDIC coverage at banks — so the comparison here is about financial efficiency and member experience, not deposit safety. Before joining either institution, verify the field of membership: AUTOTRUCK FINANCIAL is currently defined as "Other" and SERVICE ONE as "Other", and eligibility rules (employer, geography, association) determine who can actually open accounts. Current deposit rates, loan APRs, fees, and product availability change continuously and are not reflected in quarterly Call Report data — contact each credit union directly before opening accounts or borrowing. This comparison is informational only and is not financial advice, an endorsement, or a solicitation; credit union performance can shift materially quarter to quarter and should be re-evaluated with current reports before making any decision.
What to Consider When Choosing
Net Worth Ratio: The NCUA requires credit unions to maintain a net worth ratio of at least 7% to be considered "well capitalized." AUTOTRUCK FINANCIAL shows 12.80% vs SERVICE ONE at 9.34%. Higher ratios indicate stronger financial buffers.
Delinquency Rate: Measures the percentage of loans that are 60+ days past due. Lower delinquency rates indicate tighter underwriting and lower credit risk. AUTOTRUCK FINANCIAL: 1.28% — SERVICE ONE: 0.90%.
Return on Assets: ROA measures how efficiently a credit union generates income from its assets. Industry benchmark is typically 0.50–0.70%. Both values here may be close to zero since credit unions are not-for-profit and return value to members through lower rates and higher dividends.
Membership eligibility: Check each credit union's field of membership before applying. Many restrict membership by employer, geography, or community affiliation.