SERVICE ONE
Charter #62484 · Bowling Green, KY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of -0.02% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 19th percentile but its structural peers at the 46th — a 27-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 ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $270.77M | 69th pct | 61th pct |
| Members | 17,671 | 68th pct | 67th pct |
| Net worth ratio | 9.35% | 19th pct | 46th pct |
| Return on average assets | 0.41% | 30th pct | 56th pct |
| Net interest margin | 3.56% | 43th pct | 34th pct |
| Cost of funds | 1.65% | 75th pct | 67th pct |
| Loan-to-share | 82.66% | 75th pct | 56th pct |
| Delinquency 60+ days | 0.84% | 68th pct | 59th pct |
| Net charge-off ratio | -0.02% | 2th pct | 0th pct |
| Loan growth YoY | -3.45% | 14th pct | 16th pct |
| Share growth YoY | 1.77% | 25th pct | 44th pct |
| Efficiency ratio | 90.01% | 85th pct | 70th pct |
structural peer set hash: 632034f26017cddeb23da2e86d3c548f… (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.