State credit union · Bowling Green, Kentucky · NCUA charter #62484
Service One
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $265.1M
- Total assets
- 17,442
- Members
- 9.3%
- Net-worth ratio
Service One scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $265.1M; members 17,442; net-worth ratio 9.35%; health rank #1,517 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,517 of 4,374 health · 2025Q4Service One · health 88/100 · $265.1M · 2025Q4
- MEM 88/100
- RANK 9.3%
- PHOTO 0.90%
- BOOK 0.21%
- CHARTER $265.1M
- NCUSIF 17,442
- CAMELS #1,517/4,374
- HEALTH Northwestern Mutual
- NW 62484
Call Report peers
Service One in the assets neighbourhood
Service One's $265.1M assets sit next to Northwestern Mutual ($264.7M) 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 One 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
88 Top 35% higher than 65% 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 One - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62484, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Service One vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 86.38% here, 72.20% peer average (+14.18 pp).
- Largest lag: Net Worth Ratio at 9.35% vs peer 12.11% (-2.76 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Service One: in-state Call Report ranks
- In Kentucky, health place is #16 of 54 on the same NCUA-ratio sort used nationally.
- By total assets, Service One is #13 of 54 in Kentucky.
- Membership ranks #13 of 54 among Kentucky CUs with a reported count (17,442 members).
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Service One's 5300 filing moved
Service One: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $265.1M (2025Q4) to $270.8M (2026Q1).
- Net-worth ratio shifted -0.10 pp (9.45% → 9.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.35% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 28.4 pts
- Delinquency Rate 21.0 pts
- Return on Assets 10.7 pts
- Member Growth 13.0 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.35% | -2.76 pp |
| Delinquency Rate | 0.90% | +0.01 pp |
| Return on Assets | 0.21% | -0.41 pp |
| Member Growth | 3.31% | - |
| Loan-to-Share Ratio | 86.38% | +14.18 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 | $270.8M | - |
| 2025Q4 | $265.1M | 17,442 |
| 2024Q4 | $271.5M | 16,883 |
| 2023Q4 | $274.6M | 16,658 |
Credit Union Details
- Charter Number
- 62484
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Kentucky
- City
- Bowling Green
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, Service One runs 6 offices in 5 different cities.
| Office | City |
|---|---|
| Campbell Ln Office (Main Office) | Bowling Green, KY |
| ByPass Office | Bowling Green, KY |
| Glasgow Office | Glasgow, KY |
| Hopkinsville Office | Hopkinsville, KY |
| Russellville | Russellville, KY |
| Scottsville Office | Scottsville, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
Other federally-insured credit unions in Kentucky, closest first by peer group and asset size.
Other-state peers near Service One
Cross-state asset and health neighbours for Service One - kept outside Kentucky; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($265.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Service One ranks #1,517 of 4,374 nationally on financial health and #16 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Autotruck Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Autotruck Financial
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky 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 One financially healthy?
Service One scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,517 of 4,374; by total assets it ranks #1,099 of 4,374 nationally (same basis as /rankings/largest); and #13 of 54 within Kentucky. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.35% net worth ratio and a 0.90% delinquency rate.
How does Service One compare to other credit unions?
On PlainCU's health composite, Service One lands at 88/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 One?
Membership eligibility for Service One depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Service One directly for current membership requirements and application steps.
Is my money safe at Service One?
Federal credit unions like Service One 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 One's net worth ratio of 9.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Service One offer compared to banks?
Credit unions like Service One 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 One 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.