Serve Credit Union (NCUA charter #65150) is based in Des Moines, Iowa. Its Q2 2026 call report shows $101.3M in total assets and $82.2M in member shares and deposits and 1 office.
Serve Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 1,341 credit unions with $100 million – $1 billion. Among 66 credit unions headquartered in Iowa, it ranks 15th. Capital cushion contributes the most (100/100, 18.08%); funding & liquidity contributes the least (73/100, 87% loans-to-deposits, 3% uninsured).
TellerScore · Q2 2026
Scorecard
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 (82 → 84), mostly because the funding & liquidity component improved by 4 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 88 |
| Q4 2024 | 86 |
| Q1 2025 | 84 |
| Q2 2025 | 82 |
| Q3 2025 | 85 |
| Q4 2025 | 82 |
| Q1 2026 | 81 |
| Q2 2026 | 84 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.44% |
| Q3 2024 | 16.30% |
| Q4 2024 | 16.73% |
| Q1 2025 | 16.68% |
| Q2 2025 | 17.04% |
| Q3 2025 | 17.68% |
| Q4 2025 | 17.85% |
| Q1 2026 | 17.70% |
| Q2 2026 | 18.08% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.31% |
| Q4 2024 | 0.41% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.90% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.95% |
| Q1 2026 | 0.84% |
| Q2 2026 | 0.81% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.50% |
| Q3 2024 | 1.52% |
| Q4 2024 | 1.40% |
| Q1 2025 | 1.12% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.47% |
| Q4 2025 | 1.40% |
| Q1 2026 | 1.13% |
| Q2 2026 | 1.44% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $101.3M | 18.08% | 0.81% | 1.44% | 87.2% |
| Q1 2026 | 81 | $100.9M | 17.70% | 0.84% | 1.13% | 87.7% |
| Q4 2025 | 82 | $98.5M | 17.85% | 0.95% | 1.40% | 91.2% |
| Q3 2025 | 85 | $97.8M | 17.68% | 0.69% | 1.47% | 92.8% |
| Q2 2025 | 82 | $99.2M | 17.04% | 0.90% | 1.43% | 91.3% |
| Q1 2025 | 84 | $98.8M | 16.68% | 0.52% | 1.12% | 90.5% |
| Q4 2024 | 86 | $96.9M | 16.73% | 0.41% | 1.40% | 94.9% |
| Q3 2024 | 88 | $98.0M | 16.30% | 0.31% | 1.52% | 94.8% |
| Q2 2024 | 87 | $101.1M | 15.44% | 0.45% | 1.50% | 92.6% |
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).
Similar-size credit unions in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Midland Credit UnionCredit union Urbandale, IA | 75 out of 100, Strong | $101.2M | 11.8% | 0.60% | vs |
| Advantage Credit UnionCredit union Newton, IA | 70 out of 100, Strong | $106.5M | 15.3% | 2.39% | vs |
| River Valley Credit UnionCredit union Ames, IA | 70 out of 100, Strong | $119.3M | 11.4% | 1.05% | vs |
| North Iowa Community Credit UnionCredit union Mason City, IA | 60 out of 100, Moderate | $127.8M | 9.8% | 1.00% | vs |
| North Star Community Credit UnionCredit union Cherokee, IA | 58 out of 100, Moderate | $149.4M | 9.8% | 0.54% | vs |
| Affinity Credit UnionCredit union Des Moines, IA | 74 out of 100, Strong | $154.3M | 12.2% | 0.35% | vs |
Deposit insurance
Is my money safe at Serve Credit Union?
Yes. Serve Credit Union is a federally insured credit union (NCUA charter #65150). 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 2.6% of shares and deposits ($2.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 18.08%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Serve Credit Union lists 1 office in 1 city. Most locations:
- Des Moines, IA (1)
HMDA 2025
Mortgage lending
In 2025, Serve Credit Union reported 66 home-loan applications under HMDA (LEI 549300PU6VF7RGG5TI18): 50 originated ($5,030,000 total), 7 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.1%, 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
- Serve Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 65150
- RSSD ID
- 530794
- Primary regulator
- State + NCUA
- Established
- 1932
- Headquarters
- 423 E Court Ave, Des Moines, IA 50309
- Employees
- 16
Quick answers
Serve Credit Union: common questions
Is Serve Credit Union NCUA insured?
Yes. Serve Credit Union is a federally insured credit union (NCUA charter #65150). 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 Serve Credit Union's TellerScore?
84 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 Serve Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Des Moines
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| ITS BankBank Johnston, IA | 98 out of 100, Very strong | $45.2M | 97.5% | 0.00% | vs |
| Lamoure Credit UnionCredit union Lamoure, ND | 98 out of 100, Very strong | $38.8M | 18.9% | 0.00% | vs |
| Iowa State BankBank Des Moines, IA | 95 out of 100, Very strong | $480.5M | 15.9% | 0.00% | vs |
| Journey Credit UnionCredit union Des Moines, IA | 85 out of 100, Very strong | $97.6M | 16.9% | 1.11% | vs |
| Charter BankBank Johnston, IA | 83 out of 100, Strong | $227.5M | 11.0% | 0.00% | vs |
| American State BankBank Osceola, IA | 83 out of 100, Strong | $360.8M | 11.1% | 0.04% | vs |