SERVICE 1ST
Charter #67645 · Greenville, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.31% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.04% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.06% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 67.05% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
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 | $72.80M | 52th pct | 62th pct |
| Members | 4,705 | 43th pct | 48th pct |
| Net worth ratio | 15.90% | 75th pct | 67th pct |
| Return on average assets | 1.22% | 75th pct | 69th pct |
| Net interest margin | 4.31% | 83th pct | 77th pct |
| Cost of funds | 0.04% | 4th pct | 5th pct |
| Loan-to-share | 59.32% | 47th pct | 44th pct |
| Delinquency 60+ days | 0.33% | 32th pct | 28th pct |
| Net charge-off ratio | 0.06% | 27th pct | 25th pct |
| Loan growth YoY | -1.54% | 50th pct | 61th pct |
| Share growth YoY | 1.54% | 35th pct | 26th pct |
| Efficiency ratio | 67.05% | 21th pct | 20th pct |
structural peer set hash: 4a2e1e72733560c8f608d5e14f506d0a… (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.