Federal credit union · PORTSMOUTH, New Hampshire · NCUA charter #24921
SERVICE
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $6.46B
- Total assets
- 380,457
- Members
- 11.8%
- Net-worth ratio
SERVICE scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.46B; members 380,457; net-worth ratio 11.77%; health rank #2,748 of 4,374; healthier than 36th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,748 of 4,374 health · 2025Q4SERVICE · health 80/100 · $6.46B · 2025Q4
Call Report peers
SERVICE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SERVICE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SERVICE sits in 80-84 with 767 others.
80 36th percentile higher than 36% 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
Where SERVICE diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +10.59 pp (94.49% vs 83.90%).
- Delinquency Rate trails the peer set - 2.80% here, 0.87% peer average (+1.92 pp).
SERVICE in New Hampshire
- Health composite ranks #10 of 12 among scored New Hampshire credit unions.
- New Hampshire assets place: #1 of 12.
- Member book place in New Hampshire: #1 of 12.
- One place up in New Hampshire, TRIANGLE (#9) scores 81/100, 1 point higher; one place down, PRECISION (#11) scores 77/100, 3 points lower.
SERVICE Call Report trajectory
SERVICE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $6.46B (2025Q4) to $6.63B (2026Q1).
- Net-worth ratio shifted -0.07 pp (11.84% → 11.77%).
This credit union's 11.77% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
SERVICE gives up 20 points in total. Delinquency Rate costs the most, 17.5 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.5 pts
- Return on Assets 15.0 pts
- Member Growth 14.9 pts
- Loan-to-Share Ratio 12.6 pts
SERVICE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.77% | +0.59 pp |
| Delinquency Rate | 2.80% | +1.92 pp |
| Return on Assets | 1.01% | +0.50 pp |
| Member Growth | 4.91% | - |
| Loan-to-Share Ratio | 94.49% | +10.59 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
SERVICE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.63B | - |
| 2025Q4 | $6.46B | 380,457 |
| 2024Q4 | $5.80B | 362,637 |
| 2023Q4 | $5.47B | 354,583 |
Credit Union Details
- Charter Number
- 24921
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New Hampshire
- City
- PORTSMOUTH
- Data Quarter
- 2025Q4
Branch Locations (54)
The NCUA branch filing lists 54 physical offices for SERVICE, spread across 30 cities in 3 states.
| Office | City |
|---|---|
| Corporate Headquarters (Main Office) | Portsmouth, NH |
| Amherest In-Store Branch | Amherst, NH |
| Ansbach Branch Office | APO |
| Baumholder Branch Office | APO |
| Garmisch Branch Office | APO |
| Grafenwoehr Branch Office | APO |
| Hohenfels Branch Office | APO |
| Ramstein Branch Office | APO |
| Spangdahlem Branch Office | APO |
| Stuttgart-Patch Branch Office | APO |
| Vilseck Branch Office | APO |
| Stuttgart-Panzer Branch Office | APO |
| Ramstein- KMCC | APO |
| Sembach Branch Office | APO |
| Kleber Branch Office | APO |
| Bedford Branch Office | Bedford, NH |
| Berlin Branch Office | Berlin, NH |
| Concord In-Store | Concord, NH |
| Concord | Concord, NH |
| Derry In-Store | Derry, NH |
| UNH Branch | Durham, NH |
| Epping Branch | Epping, NH |
| Exeter Branch | Exeter, NH |
| Falmouth Branch Office | Falmouth, MA |
| Franklin Branch Office | Franklin, NH |
| Gorham In-store Branch | Gorham, NH |
| Gilford Branch | Gorham, NH |
| Grand Forks AFB Branch | Grand Forks Afb, ND |
| Hampton Branch | Hampton, NH |
| Hinsdale In-Store Branch | Hinsdale, NH |
| Hudson Branch | Hudson, NH |
| Kapaun/Vogelweh Branch Office | Kaiserslautern |
| Keene Branch Office | Keene, NH |
| Laconia branch | Laconia, NH |
| Lancaster Branch Office | Lancaster, NH |
| Dartmouth Hitchcock Medical Center Branch | Lebanon, NH |
| Lebanon Branch | Lebanon, NH |
| Manchester In-Store Branch | Manchester, NH |
| Nashua Branch Office | Nashua, NH |
| Tycom Branch | Newington, NH |
| Newington In-Store Branch | Newington, NH |
| Plymouth In-Store Branch | Plymouth, NH |
| Pease Branch Office | Portsmouth, NH |
| Portsmouth Branch | Portsmouth, NH |
| Portsmouth In-Store Branch | Portsmouth, NH |
| Contact Center | Portsmouth, NH |
| Rochester Branch Office | Rochester, NH |
| Rochester In-Store | Rochester, NH |
| Rocester Drive Thru | Rochester, NH |
| Salem Branch Office | Salem, NH |
| Salem In-Store Branch | Salem, NH |
| Seabrook In-Store Branch | Seabrook, NH |
| Somersworth Branch Office | Somersworth, NH |
| Somersworth In-Store Branch | Somersworth, NH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Hampshire
A look at other New Hampshire credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for SERVICE
Using this data
- SERVICE ranks #2,748 of 4,374 nationally on financial health and #10 of 12 in NH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LIGHTHOUSE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LIGHTHOUSE
Frequently Asked Questions
Is SERVICE financially healthy?
SERVICE has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,748 of 4,374 nationally on health and #10 of 12 in New Hampshire. Its net worth ratio is 11.77% and its delinquency rate 2.80%.
How does SERVICE compare to other credit unions?
SERVICE scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (94.49% vs 83.90%). Its widest shortfall is delinquency rate (2.80% vs 0.87%).
How can I join SERVICE?
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 SERVICE directly for the exact boundaries and application steps.
Is my money safe at SERVICE?
SERVICE is a federal credit union; its shares are federally 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. SERVICE's net worth ratio of 11.77% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.