TellerScore

Services Credit Union (NCUA charter #96066) is based in Naperville, Illinois. Its Q2 2026 call report shows $407K in total assets and $113K in member shares and deposits and 1 office.

Services Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 65% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 72nd. Capital cushion contributes the most (100/100, 69.22%); loan quality contributes the least (23/100, 2.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 69.22%
Loan quality23/100
Loans 60+ days delinquent ÷ total loans: 2.32%
Earnings97/100
Return on assets (annualized): 1.93%
Funding & liquidity100/100
Loans ÷ shares: 23.6% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.22%

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 7 points (87 → 80), mostly because the loan quality component weakened by 26 points.

TellerScore
758187Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202478
Q4 202475
Q1 202582
Q2 202587
Q3 202579
Q4 202582
Q1 202678
Q2 202680
Net worth ratio
7.00%38.11%69.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202467.43%
Q3 202468.26%
Q4 202468.57%
Q1 202568.62%
Q2 202568.59%
Q3 202568.81%
Q4 202568.99%
Q1 202669.02%
Q2 202669.22%
Delinquent loans (60+ days)
1.52%2.39%3.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.94%
Q3 20242.58%
Q4 20243.26%
Q1 20252.21%
Q2 20251.52%
Q3 20252.51%
Q4 20252.20%
Q1 20262.20%
Q2 20262.32%
Return on assets
1.59%2.81%4.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.79%
Q3 20243.89%
Q4 20244.04%
Q1 20252.68%
Q2 20252.64%
Q3 20252.83%
Q4 20252.76%
Q1 20261.59%
Q2 20261.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$407K69.22%2.32%1.93%23.6%
Q1 202678$405K69.02%2.20%1.59%23.6%
Q4 202582$402K68.99%2.20%2.76%25.1%
Q3 202579$400K68.81%2.51%2.83%25.0%
Q2 202587$396K68.59%1.52%2.64%24.9%
Q1 202582$392K68.62%2.21%2.68%26.1%
Q4 202475$389K68.57%3.26%4.04%27.6%
Q3 202478$384K68.26%2.58%3.89%25.0%
Q2 202475$383K67.43%2.94%3.79%26.5%

2,479 peers · Under $100 million in assets

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 ratio69.22%
100th
Problem loans2.32%
17th
Net charge-offs0.00%
77th
Return on assets1.93%
93rd
Loans to deposits23.6%
93rd
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.2%
81st

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL100 out of 100, Very strong$418K18.5%—vs
Mt. Zion Credit UnionCredit union Zion, IL74 out of 100, Strong$428K18.9%3.97%vs
St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL93 out of 100, Very strong$383K15.0%0.00%vs
Alton Municipal Employees Federal Credit UnionCredit union Alton, IL56 out of 100, Moderate$436K38.4%1.87%vs
Unified Homeowners of Illinois Federal Credit UnionCredit union Chicago, IL57 out of 100, Moderate$460K7.2%0.00%vs
Shiloh Englewood Federal Credit UnionCredit union Chicago, IL80 out of 100, Strong$344K18.9%0.00%vs

Deposit insurance

Is my money safe at Services Credit Union?

Services Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 69.22%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Services Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Services Credit Union
Type
Non-federally insured state credit union
NCUA charter #
96066
RSSD ID
1423633
Primary regulator
State + NCUA
Headquarters
P.O. Box 3107, Naperville, IL 60566

Quick answers

Services Credit Union: common questions

Is Services Credit Union NCUA insured?

Services Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Services Credit Union's TellerScore?

80 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 Services Credit Union have?

1 office as of the latest NCUA data.

Nearby

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