Service 1st Federal Credit Union Danville, Pennsylvania
Service 1st Federal Credit Union is a federal credit union headquartered in Danville, PA, established in 1975 (NCUA charter 22128), and it is regulated and insured by the NCUA. At Q2 2026 it reported 52,842 members and total assets of $837.1M (up 12.1% from Q2 2025), the 20th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 11.10% at Q2 2026, in the well capitalized band.
Also written as Service 1st FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 22128
- Headquarters
- Danville, PA
- Established
- 1975
- Total assets, Q2 2026
- $837.1M
- Assets vs Q2 2025
- +12.1%
- Members, Q2 2026
- 52,842
- Net worth ratio, Q2 2026
- 11.10%
- Latest call report
- Q2 2026, NCUA 5300 · Service 1st Federal Credit Union call report
- Asset rank in state
- 20th of 269 in Pennsylvania
- Routing number
- 231387602
- Branches
- 13
It has 3,975 more members than on June 30, 2025 (+8.1%). Its net worth ratio was down 0.12 percentage points from 11.22% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $314.6M of $732.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.49% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.10% net worth ratio is below that band's 11.43% median.
Credit unions merged into Service 1st Federal Credit Union
Nu Community Credit Union (2018)
Frequently asked about Service 1st Federal Credit Union
How big is Service 1st Federal Credit Union?
At Q2 2026 it reported total assets of $837.1M and 52,842 members.
Where is Service 1st Federal Credit Union headquartered?
It is headquartered in Danville, PA, United States.
When was Service 1st Federal Credit Union founded?
It was established in 1975, per NCUA records.
Is Service 1st Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 22128): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Service 1st Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Service 1st Federal Credit Union well capitalized?
Its net worth ratio was 11.10% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Service 1st Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.49% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Service 1st Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 98.32% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Danville, PA 17821
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1975
- NCUA Charter #
- 22128
- RSSD ID
- 776686
- Members
- 52,842
- Potential members
- 599,568
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.10% | 11.43% | 45th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.33% | 0.81% | 78th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 11.98% | 7.02% | 86th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.23% | 3.70% | 80th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 68.25% | 76.55% | 76th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.56% | 1.24% | 25th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.49% | 0.68% | 66th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.79% | 4.92% | 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 98.32% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$837.1M total assets against $746.5M; $745.4M total shares and deposits against $659.4M; $732.8M total loans against $644.0M.
$92.9M net worth against $83.8M.
11.10% net worth ratio against 11.22%.
98.32% loan-to-share ratio against 97.66%.
0.49% delinquency ratio against 0.58%.
1.33% return on assets against 1.56%; 11.98% return on equity against 13.89%.
4.23% net interest margin against 4.12%.
52,842 members against 48,867.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.10% | 1.33% | 0.49% | 98.32% |
| March 31, 2026 | 10.85% | 0.87% | 0.49% | 92.96% |
| December 31, 2025 | 11.29% | 0.97% | 0.81% | 95.05% |
| September 30, 2025 | 11.34% | 1.65% | 0.58% | 98.63% |
| June 30, 2025 | 11.22% | 1.56% | 0.58% | 97.66% |
| March 31, 2025 | 10.99% | 0.91% | 0.54% | 96.62% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.