Service One
Bowling Green, KY · Charter 62484 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$269.1MAssets
$202.9MLoans
$242.9MShares
$25.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 39% of credit unions under $1B in assets (rank 1027 of 1683).
- Widest gap: equity / assets trails 85% of credit unions under $1B in assets (rank 1426 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.41%
Rank 1,219 of 1,683
Net Interest Margin
3.61%
Rank 1,027 of 1,683
Efficiency Ratio
87.49%
Rank 1,285 of 1,682
Equity / Assets
9.51%
Rank 1,426 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.41% | 0.35% | 0.74% | 1.18% | Beats 28% | 1,219 / 1,683 | | |
| Return on Equity | 4.27% | 2.67% | 5.89% | 8.74% | Beats 37% | 1,058 / 1,681 | | |
| Net Interest Margin | 3.61% | 3.31% | 3.82% | 4.32% | Beats 39% | 1,027 / 1,683 | | |
| Efficiency Ratio | 87.49% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,285 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.40% | 0.26% | 0.65% | 1.29% | Beats 23% | 1,295 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.51% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,426 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.51% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,426 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.52% | 52.61% | 69.38% | 83.50% | 75th pctl | 420 / 1,683 | | |
| Loans / Assets | 75.39% | 44.71% | 59.18% | 70.72% | 84th pctl | 272 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |