State credit union · Greenville, Texas · NCUA charter #67645
Service 1st
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $71.1M
- Total assets
- 4,705
- Members
- 15.9%
- Net-worth ratio
Service 1st scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $71.1M; members 4,705; net-worth ratio 15.90%; health rank #743 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#743 of 4,374 health · 2025Q4Service 1st · health 92/100 · $71.1M · 2025Q4
Call Report peers
Service 1st in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Service 1st vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Service 1st sits in 90-94 with 747 others.
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
Where Service 1st diverges from peer averages
- Net Worth Ratio leads the peer set - 15.90% here, 13.62% peer average (+2.28 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -0.04 pp (62.56% vs 62.60%).
Texas standing for Service 1st
- Health composite ranks #68 of 386 among scored Texas credit unions.
- Assets rank #172 of 386 inside Texas ($71.1M reported).
- Member book place in Texas: #182 of 386.
- One place up in Texas, Starr County Teachers (#67) ties at 92/100; one place down, Odessa Employees (#69) ties at 92/100.
How Service 1st's 5300 filing moved
Service 1st: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $71.1M (2025Q4) to $72.8M (2026Q1).
- Net-worth ratio shifted -0.08 pp (15.98% → 15.90%).
At 15.90%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Service 1st gives up 8 points in total. Member Growth costs the most, 6.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 13.6 pts
Service 1st vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.90% | +2.28 pp |
| Delinquency Rate | 0.35% | -0.62 pp |
| Return on Assets | 1.61% | +0.95 pp |
| Member Growth | -0.36% | - |
| Loan-to-Share Ratio | 62.56% | -0.04 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $72.8M | - |
| 2025Q4 | $71.1M | 4,705 |
| 2024Q4 | $72.5M | 4,722 |
| 2023Q4 | $74.6M | 5,108 |
Credit Union Details
- Charter Number
- 67645
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Greenville
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Service 1st runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Greenville, TX |
| Fiserv Data | Salt Lake City, UT |
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.
Other-state peers near Service 1st
Similar total assets
Similar health score
Using this data
- Service 1st ranks #743 of 4,374 nationally on financial health and #68 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Scott and White Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Scott and White Employees
Frequently Asked Questions
Is Service 1st financially healthy?
Service 1st has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #743 of 4,374 nationally on health and #68 of 386 in Texas. Its net worth ratio is 15.90% and its delinquency rate 0.35%.
How does Service 1st compare to other credit unions?
Service 1st scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (15.90% vs 13.62%). Its widest shortfall is loan-to-share ratio (62.56% vs 62.60%).
How can I join Service 1st?
Membership eligibility for Service 1st depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Service 1st directly for current membership requirements and application steps.
Is my money safe at Service 1st?
Service 1st is a state-chartered 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 1st's net worth ratio of 15.90% 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.