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
- CAMELS 80/100
- HEALTH 11.8%
- NW 2.80%
- DELQ 1.01%
- ROA $6.46B
- ASSETS 380,457
- MEM #2,748/4,374
- RANK GESA
- PHOTO 24921
Call Report peers
SERVICE in the assets neighbourhood
SERVICE's $6.46B assets sit next to GESA ($6.52B) 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.
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
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
SERVICE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24921: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SERVICE Call Report trajectory
SERVICE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $6.46B (2025Q4) to $6.63B (2026Q1).
- Net-worth ratio shifted -0.07 pp (11.84% → 11.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
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).
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
SERVICE's nationwide photo peers by assets and by health score, excluding New Hampshire charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($6.46B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New Hampshire credit unions compare overall before assuming this one is typical. New Hampshire 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 SERVICE financially healthy?
A 11.77% net worth ratio and a 2.80% delinquency rate feed into SERVICE's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,748 of 4,374; by total assets it ranks #59 of 4,374 nationally (same basis as /rankings/largest); and #1 of 12 within New Hampshire. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does SERVICE compare to other credit unions?
SERVICE scores 80/100 on PlainCU's health composite, compared to a peer group average for Over $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 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?
Federal credit unions like 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. SERVICE's net worth ratio of 11.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SERVICE offer compared to banks?
Credit unions like 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 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.