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
Call Report peers
Service First in the assets neighbourhood
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Service First vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Service First sits in 75-79 with 502 others.
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
Where Service First diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.58 pp (58.62% vs 72.20%).
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).
- One place up in South Dakota, East River (#27) scores 77/100, 1 point higher; one place down, Rushmore Electric (#29) scores 75/100, 1 point lower.
Service First Call Report trajectory
Service First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $205.8M (2025Q4) to $210.1M (2026Q1).
- Net-worth ratio shifted -0.07 pp (9.04% → 8.97%).
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
Service First gives up 24 points in total. Member Growth costs the most, 12.1 of its 15; Return on Assets loses the least, 0.2.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Service First financially healthy?
Service First has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,211 of 4,374 nationally on health and #28 of 33 in South Dakota. Its net worth ratio is 8.97% and its delinquency rate 1.24%.
How does Service First compare to other credit unions?
Service First scores 76/100, higher than 26% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (58.62% vs 72.20%).
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?
Service First 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 First's net worth ratio of 8.97% 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.