Federal credit union · Groveport, Ohio · NCUA charter #11170
First Service
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $230.4M
- Total assets
- 14,595
- Members
- 10.2%
- Net-worth ratio
First Service scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $230.4M; members 14,595; net-worth ratio 10.15%; health rank #680 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#680 of 4,374 health · 2025Q4First Service · health 93/100 · $230.4M · 2025Q4
- BOOK 93/100
- CHARTER 10.2%
- NCUSIF 0.27%
- CAMELS 0.69%
- HEALTH $230.4M
- NW 14,595
- DELQ #680/4,374
- ROA Hawaii Law Enforcement
- ASSETS 11170
Call Report peers
First Service in the assets neighbourhood
First Service's $230.4M assets sit next to Hawaii Law Enforcement ($230.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Service vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
First Service - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #11170, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
First Service vs $100M–$500M peers
- Delinquency Rate leads the peer set - 0.27% here, 0.89% peer average (-0.62 pp).
- Largest lag: Net Worth Ratio at 10.15% vs peer 12.11% (-1.96 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where First Service sits in Ohio
- In Ohio, health place is #24 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, First Service is #43 of 196 in Ohio.
- Ohio membership ordinal: #49 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Service: 2025Q4 → 2026Q1
First Service: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $230.4M (2025Q4) to $232.8M (2026Q1).
- Net-worth ratio shifted +0.08 pp (10.07% → 10.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.15%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 14.9 pts
First Service vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.15% | -1.96 pp |
| Delinquency Rate | 0.27% | -0.62 pp |
| Return on Assets | 0.69% | +0.06 pp |
| Member Growth | -0.48% | - |
| Loan-to-Share Ratio | 72.02% | -0.18 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
First Service quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $232.8M | - |
| 2025Q4 | $230.4M | 14,595 |
| 2024Q4 | $218.4M | 14,665 |
| 2023Q4 | $212.5M | 15,315 |
Credit Union Details
- Charter Number
- 11170
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Groveport
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, First Service runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| Groveport (Main Office) | Groveport, OH |
| Grove City | Columbus, OH |
| Hilliard | Hilliard, OH |
| Reynoldsburg | Reynoldsburg, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
First Service nationwide neighbourhoods
Two NCUA Call Report peer sets for First Service, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($230.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- First Service ranks #680 of 4,374 nationally on financial health and #24 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- QUEST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with QUEST
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is First Service financially healthy?
First Service has a financial health score of 93/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #680 of 4,374; by total assets it ranks #1,195 of 4,374 nationally (same basis as /rankings/largest); and #43 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.15% and delinquency rate of 0.27%.
How does First Service compare to other credit unions?
First Service scores 93/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join First Service?
First Service operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact First Service directly for the exact boundaries and application steps.
Is my money safe at First Service?
Federal credit unions like First Service are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. First Service's net worth ratio of 10.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Service offer compared to banks?
Credit unions like First Service are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact First Service directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.