State credit union · Houston, Texas · NCUA charter #68605
First Service
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $1.47B
- Total assets
- 106,409
- Members
- 10.9%
- Net-worth ratio
First Service scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.47B; members 106,409; net-worth ratio 10.90%; health rank #810 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#810 of 4,374 health · 2025Q4First Service · health 92/100 · $1.47B · 2025Q4
- ROA 92/100
- ASSETS 10.9%
- MEM 0.57%
- RANK 0.08%
- PHOTO $1.47B
- BOOK 106,409
- CHARTER #810/4,374
- NCUSIF ALLSOUTH
- CAMELS 68605
Call Report peers
First Service in the assets neighbourhood
First Service's $1.47B assets sit next to ALLSOUTH ($1.47B) 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
92 Top 20% higher than 80% 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
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68605. See our deposit-insurance coverage note.
Where First Service diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 91.36% vs peer 83.90% (+7.46 pp).
- Return on Assets trails the peer set - 0.08% here, 0.51% peer average (-0.43 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for First Service
- Health composite ranks #74 of 386 among scored Texas credit unions.
- Assets rank #24 of 386 inside Texas ($1.47B reported).
- Texas membership ordinal: #21 of 386.
In-state ordinals use the live credit_unions table for TX 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 +0.7% from $1.47B (2025Q4) to $1.48B (2026Q1).
- Net-worth ratio shifted -0.02 pp (10.92% → 10.90%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.90% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.3 pts
- Return on Assets 8.1 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
First Service health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.90% | -0.28 pp |
| Delinquency Rate | 0.57% | -0.30 pp |
| Return on Assets | 0.08% | -0.43 pp |
| Member Growth | 5.05% | - |
| Loan-to-Share Ratio | 91.36% | +7.46 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
First Service quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.48B | - |
| 2025Q4 | $1.47B | 106,409 |
| 2024Q4 | $1.61B | 101,296 |
| 2023Q4 | $1.33B | 96,225 |
Credit Union Details
- Charter Number
- 68605
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (14)
First Service operates 14 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Park Ten Branch (Main Office) | Houston, TX |
| Gulf Freeway Branch | Houston, TX |
| Northwest Branch | Houston, TX |
| Tunnels Branch | Houston, TX |
| Eldridge Branch | Houston, TX |
| Galleria Branch | Houston, TX |
| Shell Woodcreek Branch | Houston, TX |
| Atascocita Branch | Humble, TX |
| Katy Branch | Katy, TX |
| Spring Cypress Branch | Spring, TX |
| University Branch | Sugar Land, TX |
| Sugar Land Branch | Sugar Land, TX |
| Woodlands Branch | The Woodlands, TX |
| STP Branch | Wadsworth, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
First Service nationwide neighbourhoods
Cross-state asset and health neighbours for First Service - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.47B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- First Service ranks #810 of 4,374 nationally on financial health and #74 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AMOCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AMOCO
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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?
Yes/no aside, the number is 92/100 (Excellent) - First Service's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #810 of 4,374; by total assets it ranks #328 of 4,374 nationally (same basis as /rankings/largest); and #24 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.90% net worth ratio and 0.57% delinquency rate are the key drivers.
How does First Service compare to other credit unions?
On PlainCU's health composite, First Service lands at 92/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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?
Membership eligibility for First Service depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First Service directly for current membership requirements 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 10.90% 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.