Federal credit union · Muskegon, Michigan · NCUA charter #4038
Service 1
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $194.5M
- Total assets
- 21,559
- Members
- 18.3%
- Net-worth ratio
Service 1 scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $194.5M; members 21,559; net-worth ratio 18.31%; health rank #1,039 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
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Service 1 vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Service 1 sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Service 1: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 89.31% vs peer 72.20% (+17.11 pp).
Where Service 1 sits in Michigan
- In Michigan, health place is #48 of 171 on the same NCUA-ratio sort used nationally.
- By total assets, Service 1 is #82 of 171 in Michigan.
- Michigan membership ordinal: #59 of 171.
- One place up in Michigan, Gratiot Community (#47) scores 91/100, 1 point higher; one place down, OUR (#49) ties at 90/100.
Quarter path for Service 1
Service 1: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $194.5M (2025Q4) to $197.4M (2026Q1).
- Net-worth ratio shifted +0.18 pp (18.13% → 18.31%).
At 18.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Service 1 gives up 10 points in total. Member Growth costs the most, 9.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 14.8 pts
Service 1 health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.31% | +6.20 pp |
| Delinquency Rate | 0.50% | -0.40 pp |
| Return on Assets | 1.00% | +0.38 pp |
| Member Growth | -2.13% | - |
| Loan-to-Share Ratio | 89.31% | +17.11 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Service 1 filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $197.4M | - |
| 2025Q4 | $194.5M | 21,559 |
| 2024Q4 | $200.8M | 22,029 |
| 2023Q4 | $193.0M | 21,670 |
Credit Union Details
- Charter Number
- 4038
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Muskegon
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Service 1, spread across 4 cities in 2 states.
| Office | City |
|---|---|
| Service 1 FCU (Main Office) | Norton Shores, MI |
| Service 1 FCU/Lakes Mall | Muskegon, MI |
| Service 1 FCU/SB Branch | Muskegon, MI |
| Service 1 FCU/Neosho | Neosho, MO |
| Service 1 FCU/Table Rock Branch | Shell Knob, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Other-state peers near Service 1
Using this data
- Service 1 ranks #1,039 of 4,374 nationally on financial health and #48 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRUNORTH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRUNORTH
Frequently Asked Questions
Is Service 1 financially healthy?
Service 1 has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,039 of 4,374 nationally on health and #48 of 171 in Michigan. Its net worth ratio is 18.31% and its delinquency rate 0.50%.
How does Service 1 compare to other credit unions?
Service 1 scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.31% vs 72.20%).
How can I join Service 1?
Service 1 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 1 directly for the exact boundaries and application steps.
Is my money safe at Service 1?
Service 1 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 1's net worth ratio of 18.31% 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.