Service 1st
Greenville, TX · Charter 67645 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 1 branch
Q2 2026
$71.3MAssets
$35.6MLoans
$58.9MShares
$12.0MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 90% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 7 of 60).
- Widest gap: nonperforming loans / loans trails 43% of credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 27 of 60).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.72%
Rank 9 of 60
Net Interest Margin
4.45%
Rank 15 of 60
Efficiency Ratio
60.34%
Rank 7 of 60
Equity / Assets
16.78%
Rank 24 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.72% | 0.02% | 0.62% | 0.99% | Beats 85% | 9 / 60 | |
| Return on Equity | 10.26% | 0.12% | 4.17% | 8.32% | Beats 83% | 10 / 60 | |
| Net Interest Margin | 4.45% | 3.36% | 3.95% | 4.45% | Beats 75% | 15 / 60 | |
| Efficiency Ratio | 60.34% | 70.09% | 78.52% | 92.77% | Beats 90% | 7 / 60 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.25% | 0.82% | 1.91% | Beats 57% | 27 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.78% | 11.15% | 14.35% | 19.86% | Beats 60% | 24 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.78% | 11.15% | 14.35% | 19.86% | Beats 60% | 24 / 60 | |
| Liquidity & Funding |
| Loans / Deposits | 60.45% | 51.31% | 60.45% | 81.20% | 50th pctl | 30 / 60 | |
| Loans / Assets | 49.95% | 41.11% | 52.43% | 68.66% | 43rd pctl | 34 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |