TellerScore

First Service Federal Credit Union is a federal credit union headquartered in Groveport, Ohio, in business for about 70 years. At the end of Q2 2026 it reported $236.3M in total assets and $210.8M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, First Service Federal Credit Union scores 72/100, which we describe as strong. That is higher than 57% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 92nd. Its strongest component is problem-loan coverage (98/100; 1.2%), and its lowest is earnings (47/100; 0.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.16%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.12%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity90/100
Loans ÷ shares: 70.7% · 10.8% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.19%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (70 → 72), mostly because the loan quality component improved by 9 points.

TellerScore
707273Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202473
Q4 202471
Q1 202571
Q2 202570
Q3 202571
Q4 202571
Q1 202672
Q2 202672
Net worth ratio
7.00%8.59%10.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.69%
Q3 20249.85%
Q4 20249.83%
Q1 20259.86%
Q2 202510.03%
Q3 202510.18%
Q4 202510.07%
Q1 202610.15%
Q2 202610.16%
Delinquent loans (60+ days)
0.07%0.22%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.10%
Q3 20240.07%
Q4 20240.20%
Q1 20250.25%
Q2 20250.38%
Q3 20250.37%
Q4 20250.27%
Q1 20260.13%
Q2 20260.12%
Return on assets
0.68%0.73%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.72%
Q3 20240.73%
Q4 20240.73%
Q1 20250.72%
Q2 20250.79%
Q3 20250.78%
Q4 20250.78%
Q1 20260.74%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$236.3M10.16%0.12%0.68%70.7%
Q1 202672$232.8M10.15%0.13%0.74%73.4%
Q4 202571$230.4M10.07%0.27%0.78%72.0%
Q3 202571$223.6M10.18%0.37%0.78%72.2%
Q2 202570$222.6M10.03%0.38%0.79%71.6%
Q1 202571$221.6M9.86%0.25%0.72%71.0%
Q4 202471$218.4M9.83%0.20%0.73%68.5%
Q3 202473$214.2M9.85%0.07%0.73%69.5%
Q2 202471$213.7M9.69%0.10%0.72%71.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.16%
31st
Problem loans0.12%
94th
Net charge-offs0.27%
61st
Return on assets0.68%
45th
Loans to deposits70.7%
59th
Uninsured deposits10.8%
14th
Loan-loss reserves0.00%
50th
Texas ratio1.2%
87th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Quest Federal Credit UnionCredit union Kenton, OH60 out of 100, Moderate$237.5M8.8%0.94%vs
Ohio Valley Community Federal Credit UnionCredit union Clarington, OH72 out of 100, Strong$243.6M13.4%1.59%vs
C E S Credit UnionCredit union Mount Vernon, OH91 out of 100, Very strong$244.3M13.1%0.16%vs
Associated School Employees Credit UnionCredit union Youngstown, OH70 out of 100, Strong$222.1M10.3%0.30%vs
Stark Federal Credit UnionCredit union Canton, OH83 out of 100, Strong$217.7M13.3%0.76%vs
Truecore Federal Credit UnionCredit union Newark, OH67 out of 100, Moderate$255.4M9.3%0.46%vs

Deposit insurance

Is my money safe at First Service Federal Credit Union?

Yes. First Service Federal Credit Union is a federally insured credit union (NCUA charter #11170). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.8% of shares and deposits ($22.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.16%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

First Service Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Service Federal Credit Union reported 52 home-loan applications under HMDA (LEI 5493001KKF1KUVEDX282): 38 originated ($7,910,000 total), 10 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Service Federal Credit Union
Type
Federal credit union
NCUA charter #
11170
RSSD ID
646882
Primary regulator
NCUA
Established
1956
Headquarters
100 Main Street, Groveport, OH 43125
Employees
41

Quick answers

First Service Federal Credit Union: common questions

Is First Service Federal Credit Union NCUA insured?

Yes. First Service Federal Credit Union is a federally insured credit union (NCUA charter #11170). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is First Service Federal Credit Union's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does First Service Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Groveport

InstitutionScoreAssetsCapitalProblem loansCompare
Nationwide Trust Company, FSBBank Columbus, OH94 out of 100, Very strong$153.6M36.9%0.00%vs
Abbott Laboratories Credit UnionCredit union Gurnee, IL89 out of 100, Very strong$1.1B14.5%0.11%vs
State Highway Patrol Federal Credit UnionCredit union Columbus, OH88 out of 100, Very strong$92.2M13.5%0.06%vs
Firestone Federal Credit UnionCredit union Akron, OH82 out of 100, Strong$198.1M18.1%1.15%vs
Homeland Credit UnionCredit union Chillicothe, OH82 out of 100, Strong$624.2M15.8%1.10%vs
Adelphi BankBank Columbus, OH80 out of 100, Strong$124.5M15.8%0.00%vs