Credit Union Safety Analysis
Is Serve Credit Union Safe? Des Moines, Iowa
Based on its Q2 2026 NCUA 5300 call report, Serve Credit Union has a net worth ratio of 18.08%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.81%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Serve Credit Union's net worth ratio is 18.08%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.08%
- Delinquency ratio (60+ days) (Q2 2026): 0.81%
- Return on assets (Q2 2026): 1.76%
- Loan-to-share ratio (Q2 2026): 87.15%
Serve Credit Union (NCUA charter 65150, established 1932) reported $101.3M in assets and 4,987 members for Q2 2026 from Des Moines, Iowa. It ranks 29 of 65 credit unions in Iowa by total assets. Total assets grew 2.1% from $99.2M on June 30, 2025. It has 37 fewer members than on June 30, 2025 (-0.7%). Its net worth ratio was up 1.04 percentage points from 17.04% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $37.1M of $71.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.81% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 17.70% for Q1 2026; 17.04% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.84% for Q1 2026; 0.90% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.13% for Q1 2026; 1.74% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 87.69% for Q1 2026; 91.29% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $37.1M
- Used vehicle loans: $16.7M
- New vehicle loans: $6.7M
- Other secured non-real estate loans and lines of credit: $5.8M
- Unsecured credit card loans: $2.7M
- Other unsecured loans and lines of credit: $1.6M
- Non-federally guaranteed student loans: $808K
- Commercial loans: $349K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $101.3M | 18.08% | 0.81% | 1.76% | 87.15% |
| March 31, 2026 | $100.9M | 17.70% | 0.84% | 1.13% | 87.69% |
| December 31, 2025 | $98.5M | 17.85% | 0.95% | 1.21% | 91.17% |
| September 30, 2025 | $97.8M | 17.68% | 0.69% | 1.53% | 92.77% |
| June 30, 2025 | $99.2M | 17.04% | 0.90% | 1.74% | 91.29% |
| March 31, 2025 | $98.8M | 16.68% | 0.52% | 1.12% | 90.46% |
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Free to use. It shows Serve Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 65150) · FFIEC NIC profile (RSSD 530794)
Frequently asked questions
Is Serve Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Serve Credit Union's net worth ratio is 18.08%, above the 7% NCUA threshold for well capitalized.
Is Serve Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Serve Credit Union is a federally insured credit union (NCUA charter 65150): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Serve Credit Union's key safety ratios?
For Q2 2026, Serve Credit Union reports net worth 18.08%, delinquency 0.81%, ROA 1.76%, loan-to-share 87.15%.
What happens to my money if Serve Credit Union fails?
For Q2 2026, Serve Credit Union held $82.2M in shares and deposits for 4,987 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.