SERVICE 1ST
Charter #22128 · Danville, PA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.00% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.71% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 28th — a 47-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 | SERVICE 1ST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $831.20M | 75th pct | 28th pct |
| Members | 51,411 | 75th pct | 31th pct |
| Net worth ratio | 10.85% | 58th pct | 52th pct |
| Return on average assets | 0.90% | 66th pct | 62th pct |
| Net interest margin | 4.00% | 83th pct | 87th pct |
| Cost of funds | 1.73% | 69th pct | 49th pct |
| Loan-to-share | 92.96% | 86th pct | 77th pct |
| Delinquency 60+ days | 0.49% | 38th pct | 33th pct |
| Net charge-off ratio | 0.71% | 76th pct | 79th pct |
| Loan growth YoY | 2.69% | 69th pct | 57th pct |
| Share growth YoY | 8.94% | 95th pct | 85th pct |
| Efficiency ratio | 74.16% | 30th pct | 39th pct |
structural peer set hash: 24dcf3d811c52482bc3d4551eed2c909… (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.