TellerScore

Service 1 Federal Credit Union is a federal credit union headquartered in Muskegon, Michigan, in business for about 86 years. At the end of Q2 2026 it reported $198.5M in total assets and $160.8M in member shares and deposits, with 3 offices across 2 states.

Service 1 Federal Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 18th. Capital cushion contributes the most (100/100, 18.56%); funding & liquidity contributes the least (73/100, 87% loans-to-deposits, 4% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.56%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.42%
Earnings83/100
Return on assets (annualized): 1.58%
Funding & liquidity73/100
Loans ÷ shares: 87.3% · 4.3% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.59%

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 4 points (85 → 89), mostly because the earnings component improved by 23 points.

TellerScore
838790Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202484
Q4 202485
Q1 202584
Q2 202585
Q3 202585
Q4 202585
Q1 202690
Q2 202689
Net worth ratio
7.00%12.78%18.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.95%
Q3 202416.30%
Q4 202416.40%
Q1 202516.10%
Q2 202516.74%
Q3 202517.32%
Q4 202518.13%
Q1 202618.31%
Q2 202618.56%
Delinquent loans (60+ days)
0.27%0.44%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.61%
Q3 20240.45%
Q4 20240.31%
Q1 20250.27%
Q2 20250.32%
Q3 20250.46%
Q4 20250.50%
Q1 20260.44%
Q2 20260.42%
Return on assets
0.68%1.21%1.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.02%
Q3 20241.02%
Q4 20240.97%
Q1 20250.68%
Q2 20250.99%
Q3 20251.16%
Q4 20251.24%
Q1 20261.75%
Q2 20261.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$198.5M18.56%0.42%1.58%87.3%
Q1 202690$197.4M18.31%0.44%1.75%87.1%
Q4 202585$194.5M18.13%0.50%1.24%89.3%
Q3 202585$200.2M17.32%0.46%1.16%89.3%
Q2 202585$202.7M16.74%0.32%0.99%87.5%
Q1 202584$206.7M16.10%0.27%0.68%83.7%
Q4 202485$200.8M16.40%0.31%0.97%86.2%
Q3 202484$199.4M16.30%0.45%1.02%87.3%
Q2 202483$200.7M15.95%0.61%1.02%85.5%

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 ratio18.56%
96th
Problem loans0.42%
73rd
Net charge-offs0.52%
33rd
Return on assets1.58%
90th
Loans to deposits87.3%
23rd
Uninsured deposits4.3%
67th
Loan-loss reserves0.00%
50th
Texas ratio1.6%
80th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Polish-American Federal Credit UnionCredit union Troy, MI72 out of 100, Strong$195.1M12.8%1.37%vs
Awakon Federal Credit UnionCredit union Onaway, MI71 out of 100, Strong$202.7M13.5%1.86%vs
Trunorth Federal Credit UnionCredit union Ishpeming, MI74 out of 100, Strong$203.5M10.2%0.31%vs
Downriver Community Federal Credit UnionCredit union Ecorse, MI70 out of 100, Strong$193.2M10.5%0.52%vs
U.P. State Credit UnionCredit union Escanaba, MI79 out of 100, Strong$210.3M13.2%1.10%vs
Journey Federal Credit UnionCredit union Saint Johns, MI68 out of 100, Moderate$186.5M10.2%0.68%vs

Deposit insurance

Is my money safe at Service 1 Federal Credit Union?

Yes. Service 1 Federal Credit Union is a federally insured credit union (NCUA charter #4038). 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 4.3% of shares and deposits ($7.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 18.56%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Service 1 Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Service 1 Federal Credit Union
Type
Federal credit union
NCUA charter #
4038
RSSD ID
401577
Primary regulator
NCUA
Established
1940
Headquarters
P.O Box 810, Muskegon, MI 49443
Employees
60

Quick answers

Service 1 Federal Credit Union: common questions

Is Service 1 Federal Credit Union NCUA insured?

Yes. Service 1 Federal Credit Union is a federally insured credit union (NCUA charter #4038). 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 Service 1 Federal Credit Union's TellerScore?

89 out of 100 (Very 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 Service 1 Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Muskegon

InstitutionScoreAssetsCapitalProblem loansCompare
Aac Credit UnionCredit union Grand Rapids, MI90 out of 100, Very strong$212.4M24.2%0.36%vs
Tri-Cities Credit UnionCredit union Grand Haven, MI86 out of 100, Very strong$51.3M13.9%0.05%vs
Wmcu Credit UnionCredit union Grand Rapids, MI84 out of 100, Strong$455.3M17.3%0.92%vs
Port City Federal Credit UnionCredit union Muskegon, MI80 out of 100, Strong$42.1M12.1%0.04%vs
Route 31 Federal Credit UnionCredit union Muskegon, MI79 out of 100, Strong$104.6M13.2%0.41%vs
Lakeshore Federal Credit UnionCredit union Muskegon, MI78 out of 100, Strong$45.2M11.9%0.04%vs