SERVICE 1ST

Charter #22128 | PA

750M-1B (112 CUs) Community (281 CUs)
7 750M-1B in PA

SERVICE 1ST has 10 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 4.3% in tier
  • + Relationship Depth Leader: Top 19.3% in tier
  • + Wallet Share Momentum: Top 22.4% in tier
  • + ROA 0.65% above tier average
  • + Net Interest Margin 0.68% above tier average
  • + Strong member growth: 7.8% YoY
  • + Member Growth Rate: Top 4.5% in tier
  • + Deposit Growth Rate: Top 4.5% in tier
  • + First Mortgage Concentration (%): Top 6.2% in tier
  • + Asset Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 4.3% in tier
  • - Indirect Auto Dependency: Bottom 7.1% in tier
  • - Growth-at-Risk: Bottom 7.5% in tier
  • - Credit Quality Pressure: Bottom 15.6% in tier
  • - Total Assets: Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 49,748
+7.8% YoY+1.8% QoQ
 -2.4K 52,114
-2.1% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 45th in tier
Assets $766.4M
+11.2% YoY+2.7% QoQ
 $-92.6M $859.0M
+0.0% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 Bottom 7.1% in tier
Loans $666.0M
+10.8% YoY+3.4% QoQ
 +$62.6M $603.4M
+1.0% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 68th in tier
Deposits $675.2M
+12.6% YoY+2.4% QoQ
 $-58.9M $734.2M
+0.9% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 Bottom 18.8% in tier
ROA 1.4%
+8.1% YoY+10.4% QoQ
 +0.7% 0.7%
+27.6% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 Top 14.3% in tier
NIM 4.1%
+2.2% YoY+1.5% QoQ
 +0.7% 3.4%
+9.6% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Top 13.4% in tier
Efficiency Ratio 68.1%
-2.9% YoY-2.1% QoQ
 -6.4% 74.5%
-3.2% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 28th in tier
Delinquency Rate 0.6%
+44.4% YoY+0.4% QoQ
 -0.2 0.8%
+5.0% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 38th in tier
Loan To Share 98.6%
-1.6% YoY+1.0% QoQ
 +16.0% 82.7%
+0.1% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 Top 12.5% in tier
AMR $26,961
+3.6% YoY+1.1% QoQ
 $-2K $28,651
+2.5% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 54th in tier
CD Concentration 32.9%
+13.7% YoY+6.3% QoQ
 +8.4% 24.4%
+4.2% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 Top 20.8% in tier
Indirect Auto % 31.7%
+5.9% YoY+1.1% QoQ
 +17.7% 14.0%
-5.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 Top 15.6% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#80 of 603 • Top 4.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.78%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.36%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 31.69%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#533 of 1006 • Top 19.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.65%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#619 of 1006 • Top 22.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.65%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk
#34 of 258 • Bottom 4.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 98.63%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 10.78%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#115 of 525 • Bottom 7.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 11.23%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 31.69%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 7.78%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Growth-at-Risk

risk
#114 of 446 • Bottom 7.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 10.78%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.18% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk
#387 of 736 • Bottom 15.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.18% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 112 peers in tier

Top Strengths (9 metrics)

6
Member Growth Rate
growth
Value: 7.78%
Peer Avg: 1.14%
#6 of 112 Top 4.5% in 750M-1B tier
6
Deposit Growth Rate
growth
Value: 12.64%
Peer Avg: 5.03%
#6 of 112 Top 4.5% in 750M-1B tier
8
First Mortgage Concentration (%)
balance_sheet
Value: 12.74%
Peer Avg: 33.64%
#8 of 112 Top 6.2% in 750M-1B tier
12
Asset Growth Rate
growth
Value: 11.23%
Peer Avg: 4.25%
#12 of 112 Top 9.8% in 750M-1B tier
14
Loan-to-Share Ratio
balance_sheet
Value: 98.63%
Peer Avg: 82.66%
#14 of 112 Top 11.6% in 750M-1B tier
15
Net Interest Margin (NIM)
profitability
Value: 4.06%
Peer Avg: 3.38%
#15 of 112 Top 12.5% in 750M-1B tier
16
Return on Assets (ROA)
profitability
Value: 1.36%
Peer Avg: 0.71%
#16 of 112 Top 13.4% in 750M-1B tier
25
Loan Growth Rate
growth
Value: 10.78%
Peer Avg: 4.84%
#25 of 112 Top 21.4% in 750M-1B tier
26
Net Charge-Off Rate
risk
Value: 0.28%
Peer Avg: 0.61%
#26 of 112 Top 22.3% in 750M-1B tier

Top Weaknesses (3 metrics)

104
Total Assets
balance_sheet
Value: $766.41M
Peer Avg: $859.01M
#104 of 112 Bottom 8.0% in 750M-1B tier
93
Indirect Auto Concentration (%)
balance_sheet
Value: 31.69%
Peer Avg: 16.60%
#93 of 112 Bottom 17.9% in 750M-1B tier
91
Total Deposits
balance_sheet
Value: $675.25M
Peer Avg: $734.17M
#91 of 112 Bottom 19.6% in 750M-1B tier