Service Federal Credit Union (NCUA charter #24921) is based in Portsmouth, New Hampshire. Its Q2 2026 call report shows $6.7B in total assets and $5.8B in member shares and deposits and 27 offices across 2 states.
Based on its Q2 2026 filing, Service Federal Credit Union scores 52/100, which we describe as below average. That is higher than only 8% of 454 credit unions with $1 billion – $10 billion. Among 12 credit unions headquartered in New Hampshire, it ranks 12th. Its strongest component is capital cushion (69/100; 11.89%), and its lowest is loan quality (13/100; 2.60%).
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 fell 14 points (66 → 52), mostly because the loan quality component weakened by 48 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 74 |
| Q4 2024 | 74 |
| Q1 2025 | 68 |
| Q2 2025 | 66 |
| Q3 2025 | 63 |
| Q4 2025 | 51 |
| Q1 2026 | 51 |
| Q2 2026 | 52 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.95% |
| Q3 2024 | 11.97% |
| Q4 2024 | 12.07% |
| Q1 2025 | 11.90% |
| Q2 2025 | 11.94% |
| Q3 2025 | 11.87% |
| Q4 2025 | 11.84% |
| Q1 2026 | 11.77% |
| Q2 2026 | 11.89% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.48% |
| Q3 2024 | 0.51% |
| Q4 2024 | 0.52% |
| Q1 2025 | 1.12% |
| Q2 2025 | 1.18% |
| Q3 2025 | 1.55% |
| Q4 2025 | 2.80% |
| Q1 2026 | 2.68% |
| Q2 2026 | 2.60% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.21% |
| Q3 2024 | 1.14% |
| Q4 2024 | 1.13% |
| Q1 2025 | 1.12% |
| Q2 2025 | 1.07% |
| Q3 2025 | 1.07% |
| Q4 2025 | 1.05% |
| Q1 2026 | 0.94% |
| Q2 2026 | 0.94% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $6.7B | 11.89% | 2.60% | 0.94% | 94.9% |
| Q1 2026 | 51 | $6.6B | 11.77% | 2.68% | 0.94% | 92.5% |
| Q4 2025 | 51 | $6.5B | 11.84% | 2.80% | 1.05% | 94.5% |
| Q3 2025 | 63 | $6.3B | 11.87% | 1.55% | 1.07% | 97.4% |
| Q2 2025 | 66 | $6.1B | 11.94% | 1.18% | 1.07% | 96.5% |
| Q1 2025 | 68 | $6.0B | 11.90% | 1.12% | 1.12% | 94.7% |
| Q4 2024 | 74 | $5.8B | 12.07% | 0.52% | 1.13% | 95.8% |
| Q3 2024 | 74 | $5.7B | 11.97% | 0.51% | 1.14% | 93.7% |
| Q2 2024 | 75 | $5.6B | 11.95% | 0.48% | 1.21% | 92.7% |
454 peers · $1 billion – $10 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 New Hampshire
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lighthouse Federal Credit UnionCredit union Dover, NH | 65 out of 100, Moderate | $2.2B | 10.2% | 0.38% | vs |
| St. Mary'S Bank Credit UnionCredit union Manchester, NH | 68 out of 100, Moderate | $1.8B | 10.0% | 0.31% | vs |
Deposit insurance
Is my money safe at Service Federal Credit Union?
Yes. Service Federal Credit Union is a federally insured credit union (NCUA charter #24921). 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 8.6% of shares and deposits ($500.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 11.89%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
27 locations
Branches
Service Federal Credit Union lists 27 offices in 20 cities across 2 states. Most locations:
- Portsmouth, NH (5)
- Newington, NH (2)
- Rochester, NH (2)
- Salem, NH (2)
- Bedford, NH (1)
- Concord, NH (1)
- Derry, NH (1)
- Exeter, NH (1)
- Falmouth, MA (1)
- Franklin, NH (1)
- Gorham, NH (1)
- Hampton, NH (1)
HMDA 2025
Mortgage lending
In 2025, Service Federal Credit Union reported 3,524 home-loan applications under HMDA (LEI 254900P7WLDQD9IUL038): 2,074 originated ($506,100,000 total), 954 denied, and 394 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.5%, 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.
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Visa Signature Everyday Elite | 17.65% – 18.00% | $0 | $20 | 0.0% |
Identity & history
Profile
- Legal name
- Service Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24921
- RSSD ID
- 839581
- Primary regulator
- NCUA
- Established
- 1957
- Headquarters
- 3003 Lafayette Rd, Portsmouth, NH 03801
- Employees
- 984
Quick answers
Service Federal Credit Union: common questions
Is Service Federal Credit Union NCUA insured?
Yes. Service Federal Credit Union is a federally insured credit union (NCUA charter #24921). 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 Federal Credit Union's TellerScore?
52 out of 100 (Below average), 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 Federal Credit Union have?
27 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Portsmouth
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Htm Credit UnionCredit union Haverhill, MA | 84 out of 100, Strong | $29.6M | 13.8% | 0.11% | vs |
| Piscataqua Savings BankBank Portsmouth, NH | 81 out of 100, Strong | $373.4M | 13.7% | 0.00% | vs |
| Haverhill BankBank Haverhill, MA | 77 out of 100, Strong | $636.8M | 11.2% | 0.14% | vs |
| Partners Bank of New EnglandBank Sanford, ME | 76 out of 100, Strong | $1.1B | 11.0% | 0.04% | vs |
| Institution for Savings in Newburyport and Its VicinityBank Newburyport, MA | 76 out of 100, Strong | $5.6B | 12.7% | 0.04% | vs |
| Trugrocer Federal Credit UnionCredit union Boise, ID | 73 out of 100, Strong | $320.1M | 16.0% | 0.81% | vs |