Federal credit union · Sioux Falls, South Dakota · NCUA charter #77
Service First
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $205.8M
- Total assets
- 16,598
- Members
- 9.0%
- Net-worth ratio
Service First scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $205.8M; members 16,598; net-worth ratio 8.97%; health rank #3,211 of 4,374; healthier than 26th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,211 of 4,374 health · 2025Q4Service First · health 76/100 · $205.8M · 2025Q4
- ROA 76/100
- ASSETS 9.0%
- MEM 1.24%
- RANK 0.48%
- PHOTO $205.8M
- BOOK 16,598
- CHARTER #3,211/4,374
- NCUSIF AAC
- CAMELS 77
Call Report peers
Service First in the assets neighbourhood
Service First's $205.8M assets sit next to AAC ($205.5M) 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 First 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
76 26th percentile higher than 26% 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 First - Share Insurance Coverage
Charter #77's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Service First diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.58 pp (58.62% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Service First: in-state Call Report ranks
- Health composite ranks #28 of 33 among scored South Dakota credit unions.
- Assets rank #6 of 33 inside South Dakota ($205.8M reported).
- Membership ranks #5 of 33 among South Dakota CUs with a reported count (16,598 members).
In-state ordinals use the live credit_unions table for SD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Service First Call Report trajectory
Service First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $205.8M (2025Q4) to $210.1M (2026Q1).
- Net-worth ratio shifted -0.07 pp (9.04% → 8.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.97% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 27.4 pts
- Delinquency Rate 18.2 pts
- Return on Assets 14.8 pts
- Member Growth 2.9 pts
- Loan-to-Share Ratio 12.7 pts
Service First health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.97% | -3.14 pp |
| Delinquency Rate | 1.24% | +0.35 pp |
| Return on Assets | 0.48% | -0.14 pp |
| Member Growth | -3.42% | - |
| Loan-to-Share Ratio | 58.62% | -13.58 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $210.1M | - |
| 2025Q4 | $205.8M | 16,598 |
| 2024Q4 | $199.0M | 17,185 |
| 2023Q4 | $209.0M | 17,958 |
Credit Union Details
- Charter Number
- 77
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- South Dakota
- City
- Sioux Falls
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Service First runs 3 offices.
| Office | City |
|---|---|
| Service First Federal Credit Union (Main Office) | Sioux Falls, SD |
| Falls Landingl Branch | Sioux Falls, SD |
| Southwest Branch | Sioux Falls, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
Other federally-insured credit unions in South Dakota, closest first by peer group and asset size.
Cross-state Call Report peers for Service First
Two NCUA Call Report peer sets for Service First, both outside South Dakota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($205.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- Service First ranks #3,211 of 4,374 nationally on financial health and #28 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BLUESTONE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BLUESTONE
- Rates and health both vary by institution, not just by state -- see how South Dakota credit unions compare overall before assuming this one is typical. South Dakota 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 First financially healthy?
Service First has a financial health score of 76/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,211 of 4,374; by total assets it ranks #1,257 of 4,374 nationally (same basis as /rankings/largest); and #6 of 33 within South Dakota. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.97% and delinquency rate of 1.24%.
How does Service First compare to other credit unions?
Service First scores 76/100 on PlainCU's health composite, compared to a peer group average for $100M–$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 First?
Service First 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 First directly for the exact boundaries and application steps.
Is my money safe at Service First?
Federal credit unions like Service First 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 First's net worth ratio of 8.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Service First offer compared to banks?
Credit unions like Service First 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 First 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.