SERVICE ONE

Charter #62484 | KY

100M-500M (1077 CUs) Micro
10 100M-500M in KY

SERVICE ONE has 2 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 29.8% in tier
  • + Organic Growth Engine: Top 30.3% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.2% in tier
  • - Efficiency Drag: Bottom 12.8% in tier
  • - Shrinking Wallet Share: Bottom 17.4% in tier
  • - Flatlined Growth: Bottom 55.3% in tier
  • - ROA 0.26% below tier average
  • - Efficiency ratio 8.70% above tier (higher cost structure)
  • - Delinquency rate 0.60% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Members 17,301
+0.8% YoY-0.4% QoQ
 +1.7K 15,628
-3.4% YoY
 18,350
+6.5% YoY
 33,089
+6.1% YoY
 65th in tier
Assets $272.0M
-1.7% YoY+0.6% QoQ
 +$40.7M $231.3M
-0.0% YoY
 $291.9M
+10.4% YoY
 $547.7M
+7.8% YoY
 68th in tier
Loans $209.9M
-5.6% YoY-1.3% QoQ
 +$62.1M $147.8M
-1.4% YoY
 $208.5M
+10.3% YoY
 $388.7M
+8.6% YoY
 Top 22.5% in tier
Deposits $240.9M
+3.7% YoY+0.2% QoQ
 +$40.6M $200.3M
-0.0% YoY
 $245.3M
+10.3% YoY
 $464.6M
+9.3% YoY
 69th in tier
ROA 0.5%
+149.2% YoY+80.0% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.2%
-216.5% YoY
 0.7%
+273.4% YoY
 34th in tier
NIM 3.5%
+3.8% YoY+1.7% QoQ
 -0.1% 3.6%
+6.9% YoY
 3.6%
+4.6% YoY
 3.7%
+5.0% YoY
 46th in tier
Efficiency Ratio 86.0%
-2.3% YoY-5.5% QoQ
 +8.7% 77.3%
-3.0% YoY
 85.0%
-21.4% YoY
 79.1%
-3.3% YoY
 Top 20.5% in tier
Delinquency Rate 1.5%
+99.7% YoY+12.7% QoQ
 +0.6 0.9%
+7.6% YoY
 0.8%
-26.3% YoY
 1.2%
-0.9% YoY
 Top 15.5% in tier
Loan To Share 87.1%
-9.0% YoY-1.5% QoQ
 +14.4% 72.7%
-1.5% YoY
 65.5%
-4.4% YoY
 68.0%
-1.7% YoY
 Top 21.0% in tier
AMR $26,051
-1.6% YoY-0.2% QoQ
 +$2K $24,363
+2.9% YoY
 $16,917
+3.2% YoY
 $19,418
+1.3% YoY
 70th in tier
CD Concentration 31.9%
+13.8% YoY-2.8% QoQ
 +7.5% 24.4%
+4.2% YoY
 22.1%
-0.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 1.3%
-47.5% YoY-17.3% QoQ
 -12.6% 14.0%
-5.8% YoY
 7.8%
-3.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#393 of 430 • Top 29.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.79%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth
#555 of 603 • Top 30.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.79%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.53%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 1.32%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (4)

Credit Quality Pressure

risk
#79 of 736 • Bottom 3.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.73% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Efficiency Drag

risk
#226 of 521 • Bottom 12.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 85.98%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.31% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 0.79%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#174 of 244 • Bottom 17.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.61%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Flatlined Growth

risk
#58 of 58 • Bottom 55.3% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $272.04M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): -1.69%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.53%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 1077 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (4 metrics)

198
Fee Income Per Member
profitability
Value: $231.72
Peer Avg: $174.31
#198 of 1077 Top 18.3% in 100M-500M tier
226
Loan-to-Share Ratio
balance_sheet
Value: 87.13%
Peer Avg: 72.70%
#226 of 1077 Top 20.9% in 100M-500M tier
242
Total Loans
balance_sheet
Value: $209.86M
Peer Avg: $147.80M
#242 of 1077 Top 22.4% in 100M-500M tier
248
Loan-to-Member Ratio (LMR)
engagement
Value: $12,130
Peer Avg: $10,245
#248 of 1077 Top 22.9% in 100M-500M tier

Top Weaknesses (8 metrics)

960
Loan Growth Rate
growth
Value: -5.59%
Peer Avg: 3.45%
#960 of 1077 Bottom 11.0% in 100M-500M tier
958
Asset Growth Rate
growth
Value: -1.69%
Peer Avg: 4.70%
#958 of 1077 Bottom 11.1% in 100M-500M tier
944
Net Worth Ratio
risk
Value: 8.96%
Peer Avg: 12.15%
#944 of 1077 Bottom 12.4% in 100M-500M tier
936
AMR Growth Rate
growth
Value: -1.61%
Peer Avg: 3.64%
#936 of 1077 Bottom 13.2% in 100M-500M tier
911
Total Delinquency Rate (60+ days)
risk
Value: 1.46%
Peer Avg: 0.86%
#911 of 1077 Bottom 15.5% in 100M-500M tier
865
Members Per Employee (MPE)
engagement
Value: 254.426
Peer Avg: 332.881
#865 of 1077 Bottom 19.8% in 100M-500M tier
857
Efficiency Ratio
profitability
Value: 85.98%
Peer Avg: 77.28%
#857 of 1077 Bottom 20.5% in 100M-500M tier
836
Share Certificate Concentration (%)
balance_sheet
Value: 31.92%
Peer Avg: 23.61%
#836 of 1077 Bottom 22.5% in 100M-500M tier