FIRST SERVICE
Charter #11170 · Groveport, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.13% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.05% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 39th — a 20-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FIRST SERVICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $232.80M | 59th pct | 39th pct |
| Members | 14,699 | 58th pct | 43th pct |
| Net worth ratio | 10.15% | 29th pct | 39th pct |
| Return on average assets | 0.74% | 53th pct | 44th pct |
| Net interest margin | 3.51% | 41th pct | 33th pct |
| Cost of funds | 1.47% | 65th pct | 61th pct |
| Loan-to-share | 73.41% | 53th pct | 41th pct |
| Delinquency 60+ days | 0.13% | 9th pct | 8th pct |
| Net charge-off ratio | 0.05% | 12th pct | 8th pct |
| Loan growth YoY | 6.28% | 92th pct | 92th pct |
| Share growth YoY | 4.53% | 65th pct | 64th pct |
| Efficiency ratio | 79.24% | 52th pct | 49th pct |
structural peer set hash: 9c3e959566696386cd2c8ef4b2157bb4… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.