State credit union · Moline, Illinois · NCUA charter #65770
Service Plus
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $35.0M
- Total assets
- 1,594
- Members
- 11.8%
- Net-worth ratio
Service Plus scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $35.0M; members 1,594; net-worth ratio 11.75%; health rank #2,117 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,117 of 4,374 health · 2025Q4Service Plus · health 84/100 · $35.0M · 2025Q4
- RANK 84/100
- PHOTO 11.8%
- BOOK 0.29%
- CHARTER 0.09%
- NCUSIF $35.0M
- CAMELS 1,594
- HEALTH #2,117/4,374
- NW Evansville Firefighters
- DELQ 65770
Call Report peers
Service Plus in the assets neighbourhood
Service Plus's $35.0M assets sit next to Evansville Firefighters ($35.0M) 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 Plus 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
84 Top 50% higher than 50% 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 Plus - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #65770, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Service Plus
- Largest favorable gap: Delinquency Rate at 0.29% vs peer 1.15% (-0.86 pp).
- Net Worth Ratio trails the peer set - 11.75% here, 14.86% peer average (-3.11 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for Service Plus
- Illinois health ordinal: #96 of 192.
- Assets rank #84 of 192 inside Illinois ($35.0M reported).
- Illinois membership ordinal: #114 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Service Plus Call Report trajectory
Service Plus: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $35.0M (2025Q4) to $35.4M (2026Q1).
- Net-worth ratio shifted +0.10 pp (11.65% → 11.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.75% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 8.4 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 12.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.75% | -3.11 pp |
| Delinquency Rate | 0.29% | -0.86 pp |
| Return on Assets | 0.09% | -0.62 pp |
| Member Growth | -0.50% | - |
| Loan-to-Share Ratio | 59.85% | +0.05 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Service Plus filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.4M | - |
| 2025Q4 | $35.0M | 1,594 |
| 2024Q4 | $32.5M | 1,602 |
| 2023Q4 | $31.0M | 1,637 |
Credit Union Details
- Charter Number
- 65770
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Moline
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Service Plus runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Moline, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Service Plus's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($35.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Service Plus ranks #2,117 of 4,374 nationally on financial health and #96 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Canals & Trails is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Canals & Trails
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 Plus financially healthy?
A 11.75% net worth ratio and a 0.29% delinquency rate feed into Service Plus's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,117 of 4,374; by total assets it ranks #2,719 of 4,374 nationally (same basis as /rankings/largest); and #84 of 192 within Illinois. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Service Plus compare to other credit unions?
On PlainCU's health composite, Service Plus lands at 84/100, compared to a peer group average for $10M–$50M 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 Plus?
Membership eligibility for Service Plus depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Service Plus directly for current membership requirements and application steps.
Is my money safe at Service Plus?
Federal credit unions like Service Plus 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 Plus's net worth ratio of 11.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Service Plus offer compared to banks?
Credit unions like Service Plus 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 Plus 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.