Service 1st
Danville, PA · Charter 22128 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 12 branches
Q2 2026
$837.1MAssets
$732.8MLoans
$745.4MShares
$92.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 83% of credit unions under $1B in assets (rank 293 of 1681).
- Widest gap: equity / assets trails 67% of credit unions under $1B in assets (rank 1130 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.10%
Rank 500 of 1,683
Net Interest Margin
4.04%
Rank 637 of 1,683
Efficiency Ratio
71.02%
Rank 498 of 1,682
Equity / Assets
11.10%
Rank 1,130 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.35% | 0.74% | 1.18% | Beats 70% | 500 / 1,683 | |
| Return on Equity | 9.88% | 2.67% | 5.89% | 8.74% | Beats 83% | 293 / 1,681 | |
| Net Interest Margin | 4.04% | 3.31% | 3.82% | 4.32% | Beats 62% | 637 / 1,683 | |
| Efficiency Ratio | 71.02% | 68.91% | 78.20% | 86.93% | Beats 70% | 498 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.26% | 0.65% | 1.29% | Beats 60% | 675 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.10% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,130 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.10% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,130 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 98.32% | 52.61% | 69.38% | 83.50% | 96th pctl | 73 / 1,683 | |
| Loans / Assets | 87.54% | 44.71% | 59.18% | 70.72% | 99th pctl | 19 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |