TellerScore

Headquartered in Danville, Pennsylvania, Service 1st Federal Credit Union is a federal credit union with $837.1M in total assets and $745.4M in member shares and deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1975.

Service 1st Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 168th. Problem-loan coverage contributes the most (92/100, 3.9%); capital cushion contributes the least (61/100, 11.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.10%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.49%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity62/100
Loans ÷ shares: 98.3% · 13.1% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.88%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 71).

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202473
Q4 202471
Q1 202569
Q2 202571
Q3 202572
Q4 202570
Q1 202669
Q2 202671
Net worth ratio
7.00%9.17%11.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.16%
Q3 202411.23%
Q4 202411.17%
Q1 202510.99%
Q2 202511.22%
Q3 202511.34%
Q4 202511.29%
Q1 202610.85%
Q2 202611.10%
Delinquent loans (60+ days)
0.30%0.56%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.40%
Q4 20240.55%
Q1 20250.54%
Q2 20250.58%
Q3 20250.58%
Q4 20250.81%
Q1 20260.49%
Q2 20260.49%
Return on assets
0.87%1.11%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.33%
Q3 20241.25%
Q4 20241.24%
Q1 20250.91%
Q2 20251.23%
Q3 20251.35%
Q4 20251.23%
Q1 20260.87%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$837.1M11.10%0.49%1.10%98.3%
Q1 202669$831.2M10.85%0.49%0.87%93.0%
Q4 202570$782.6M11.29%0.81%1.23%95.1%
Q3 202572$766.4M11.34%0.58%1.35%98.6%
Q2 202571$746.5M11.22%0.58%1.23%97.7%
Q1 202569$735.9M10.99%0.54%0.91%96.6%
Q4 202471$708.8M11.17%0.55%1.24%98.1%
Q3 202473$689.0M11.23%0.40%1.25%100.3%
Q2 202475$676.1M11.16%0.30%1.33%96.2%

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 ratio11.10%
46th
Problem loans0.49%
65th
Net charge-offs0.46%
39th
Return on assets1.10%
72nd
Loans to deposits98.3%
4th
Uninsured deposits13.1%
7th
Loan-loss reserves0.00%
50th
Texas ratio3.9%
52nd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Erie Federal Credit UnionCredit union Erie, PA72 out of 100, Strong$808.0M10.6%0.62%vs
Ardent Federal Credit UnionCredit union Phila, PA64 out of 100, Moderate$869.3M10.1%0.53%vs
Sun East Federal Credit UnionCredit union Aston, PA54 out of 100, Below average$908.6M8.6%1.11%vs
Armco Credit UnionCredit union Butler, PA79 out of 100, Strong$719.5M13.7%0.55%vs
Belco Community Credit UnionCredit union Harrisburg, PA72 out of 100, Strong$974.4M10.7%0.56%vs
Apci Federal Credit UnionCredit union Lehigh Valley, PA70 out of 100, Strong$678.2M9.1%0.09%vs

Deposit insurance

Is my money safe at Service 1st Federal Credit Union?

Yes. Service 1st Federal Credit Union is a federally insured credit union (NCUA charter #22128). 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 13.1% of shares and deposits ($98.0M) 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 11.10%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Service 1st Federal Credit Union lists 7 offices in 7 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Service 1st Federal Credit Union
Type
Federal credit union
NCUA charter #
22128
RSSD ID
776686
Primary regulator
NCUA
Established
1975
Headquarters
1985 Montour Blvd, PO Box 159, Danville, PA 17821
Employees
157

Quick answers

Service 1st Federal Credit Union: common questions

Is Service 1st Federal Credit Union NCUA insured?

Yes. Service 1st Federal Credit Union is a federally insured credit union (NCUA charter #22128). 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 1st Federal Credit Union's TellerScore?

71 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 Service 1st Federal Credit Union have?

7 offices as of the latest NCUA data.