SERVICE FIRST
Charter #77 · Sioux Falls, SD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.97% sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of 0.46% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 0.40% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.83% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.82% sits at the 80th percentile of structural peers — worth a closer look.
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 FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $210.05M | 54th pct | 64th pct |
| Members | 16,466 | 65th pct | 74th pct |
| Net worth ratio | 8.97% | 13th pct | 7th pct |
| Return on average assets | 0.46% | 33th pct | 25th pct |
| Net interest margin | 3.81% | 60th pct | 66th pct |
| Cost of funds | 0.40% | 16th pct | 13th pct |
| Loan-to-share | 57.16% | 22th pct | 26th pct |
| Delinquency 60+ days | 0.83% | 67th pct | 77th pct |
| Net charge-off ratio | 0.82% | 84th pct | 80th pct |
| Loan growth YoY | 4.69% | 85th pct | 85th pct |
| Share growth YoY | 3.97% | 57th pct | 51th pct |
| Efficiency ratio | 85.37% | 73th pct | 84th pct |
structural peer set hash: ef933073da510e7fed6a008b12dc7beb… (reproducible)
Closest structural peers
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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.