TellerScore

Service One Credit Union (NCUA charter #62484) is based in Bowling Green, Kentucky. Its Q2 2026 call report shows $269.1M in total assets and $242.9M in member shares and deposits and 6 offices.

Based on its Q2 2026 filing, Service One Credit Union scores 53/100, which we describe as below average. That is higher than only 9% of 1,341 credit unions with $100 million – $1 billion. Among 51 credit unions headquartered in Kentucky, it ranks 47th. Its strongest component is problem-loan coverage (78/100; 11.1%), and its lowest is earnings (36/100; 0.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.51%
Loan quality53/100
Loans 60+ days delinquent ÷ total loans: 1.40%
Earnings36/100
Return on assets (annualized): 0.41%
Funding & liquidity77/100
Loans ÷ shares: 83.5% · 5.3% uninsured
Problem-loan coverage78/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.06%

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 (51 → 53), mostly because the capital cushion component improved by 7 points.

TellerScore
515660Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202453
Q4 202454
Q1 202553
Q2 202551
Q3 202551
Q4 202560
Q1 202658
Q2 202653
Net worth ratio
7.00%8.25%9.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.65%
Q3 20248.45%
Q4 20248.59%
Q1 20258.66%
Q2 20258.77%
Q3 20258.96%
Q4 20259.45%
Q1 20269.35%
Q2 20269.51%
Delinquent loans (60+ days)
0.65%1.05%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.65%
Q3 20240.73%
Q4 20240.70%
Q1 20250.90%
Q2 20251.30%
Q3 20251.46%
Q4 20250.90%
Q1 20260.84%
Q2 20261.40%
Return on assets
0.18%0.45%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.21%
Q4 20240.21%
Q1 20250.18%
Q2 20250.29%
Q3 20250.52%
Q4 20250.73%
Q1 20260.41%
Q2 20260.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$269.1M9.51%1.40%0.41%83.5%
Q1 202658$270.8M9.35%0.84%0.41%82.7%
Q4 202560$265.1M9.45%0.90%0.73%86.4%
Q3 202551$272.0M8.96%1.46%0.52%87.1%
Q2 202551$270.3M8.77%1.30%0.29%88.4%
Q1 202553$270.4M8.66%0.90%0.18%90.3%
Q4 202454$271.5M8.59%0.70%0.21%95.6%
Q3 202453$276.7M8.45%0.73%0.21%95.7%
Q2 202456$271.4M8.65%0.65%0.38%99.0%

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 ratio9.51%
21st
Problem loans1.40%
16th
Net charge-offs0.21%
69th
Return on assets0.41%
24th
Loans to deposits83.5%
32nd
Uninsured deposits5.3%
56th
Loan-loss reserves0.00%
50th
Texas ratio11.1%
10th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Autotruck Financial Credit UnionCredit union Louisville, KY72 out of 100, Strong$220.4M13.1%1.22%vs
Class Act Federal Credit UnionCredit union Louisville, KY71 out of 100, Strong$365.0M10.8%0.62%vs
C-Plant Federal Credit UnionCredit union Paducah, KY92 out of 100, Very strong$365.9M14.7%0.16%vs
Advanz Federal Credit UnionCredit union Louisville, KY85 out of 100, Very strong$161.6M15.6%0.54%vs
Signet Federal Credit UnionCredit union Paducah, KY82 out of 100, Strong$398.2M16.6%1.07%vs
Ashland Credit UnionCredit union Ashland, KY62 out of 100, Moderate$411.8M12.3%1.29%vs

Deposit insurance

Is my money safe at Service One Credit Union?

Yes. Service One Credit Union is a federally insured credit union (NCUA charter #62484). 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 5.3% of shares and deposits ($12.9M) 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 9.51%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Service One Credit Union lists 6 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Service One Credit Union reported 50 home-loan applications under HMDA (LEI 549300J2D35S72FE4K21): 33 originated ($7,275,000 total), 5 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.5%, 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.

Identity & history

Profile

Legal name
Service One Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62484
RSSD ID
608899
Primary regulator
State + NCUA
Established
1963
Headquarters
PO Box 51770, Bowling Green, KY 42102
Employees
73

Quick answers

Service One Credit Union: common questions

Is Service One Credit Union NCUA insured?

Yes. Service One Credit Union is a federally insured credit union (NCUA charter #62484). 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 One Credit Union's TellerScore?

53 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 One Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bowling Green

InstitutionScoreAssetsCapitalProblem loansCompare
Edmonton State BankBank Glasgow, KY82 out of 100, Strong$1.2B11.5%0.32%vs
Franklin Bank & Trust CompanyBank Franklin, KY75 out of 100, Strong$803.6M13.5%1.08%vs
German American BankBank Jasper, IN75 out of 100, Strong$8.4B11.2%0.45%vs
Farmers Bank and Trust CompanyBank Marion, KY74 out of 100, Strong$794.0M9.2%0.23%vs
Autotruck Financial Credit UnionCredit union Louisville, KY72 out of 100, Strong$220.4M13.1%1.22%vs
South Central Bank, Inc.Bank Glasgow, KY72 out of 100, Strong$2.3B9.9%0.30%vs