Federal credit union · PHILA, Pennsylvania · NCUA charter #24733
Service Station Dealers
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $131K
- Total assets
- 52
- Members
- 54.3%
- Net-worth ratio
Service Station Dealers - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24733. See our deposit-insurance coverage note.
Service Station Dealers - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)25
- Member growth0
- Liquidity (loan-to-share)2
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
54.30% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 54.30% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -0.09% | 15% |
| Member Growth | -32.47% | 15% |
| Loan-to-Share Ratio | 127.23% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $131K | 52 |
| 2024Q4 | $145K | 77 |
| 2023Q4 | $164K | 77 |
Credit Union Details
- Charter Number
- 24733
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Under $2M
- State
- Pennsylvania
- City
- PHILA
- Data Quarter
- 2025Q4
What This Data Says About Service Station Dealers
Headquartered in PHILA, Pennsylvania, Service Station Dealers is a federal credit union with 52 members, $131K in total assets, and $27K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 59/100 (Fair), driven in part by a net worth ratio of 54.30% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24733 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers - and a 127.23% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.09% on net income of $-115 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -32.47%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Multiple Common Bond) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Service Station Dealers financially healthy?
A 54.30% net worth ratio and a 0.00% delinquency rate feed into Service Station Dealers's financial health score of 59/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Service Station Dealers compare to other credit unions?
On PlainCU's health composite, Service Station Dealers lands at 59/100, compared to a peer group average for Under $2M 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 Station Dealers?
Service Station Dealers serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Service Station Dealers directly for the current list of qualifying groups.
Is my money safe at Service Station Dealers?
Federal credit unions like Service Station Dealers 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 Station Dealers's net worth ratio of 54.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Service Station Dealers offer compared to banks?
Credit unions like Service Station Dealers 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 Station Dealers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.