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
Call Report peers
Service One in the assets neighbourhood
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
Service One sits in the busiest band, 85-89, alongside 857 other credit unions.
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 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).
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).
- One place up in Kentucky, EXPREE (#15) ties at 88/100; one place down, Regional Medical Ctr Hopkins Co Emp (#17) scores 87/100, 1 point lower.
How Service One's 5300 filing moved
Service One: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $265.1M (2025Q4) to $270.8M (2026Q1).
- Net-worth ratio shifted -0.10 pp (9.45% → 9.35%).
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
Service One gives up 12 points in total. Return on Assets costs the most, 4.3 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Service One financially healthy?
Service One has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,517 of 4,374 nationally on health and #16 of 54 in Kentucky. Its net worth ratio is 9.35% and its delinquency rate 0.90%.
How does Service One compare to other credit unions?
Service One scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (86.38% vs 72.20%). Its widest shortfall is net worth ratio (9.35% vs 12.11%).
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?
Service One 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 One's net worth ratio of 9.35% 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.