Service Station Dealers Federal Credit Union Philadelphia, Pennsylvania
Service Station Dealers Federal Credit Union is a federal credit union headquartered in Philadelphia, PA, established in 1973 (NCUA charter 24733), and it is regulated and insured by the NCUA. At Q2 2026 it reported 49 members and total assets of $129K (down 8.6% from Q2 2025), the 268th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 84.06% at Q2 2026, in the well capitalized band.
Also written as Service Station Dealers 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
- 24733
- Headquarters
- Philadelphia, PA
- Established
- 1973
- Total assets, Q2 2026
- $129K
- Assets vs Q2 2025
- -8.6%
- Members, Q2 2026
- 49
- Net worth ratio, Q2 2026
- 84.06%
- Latest call report
- Q2 2026, NCUA 5300 · Service Station Dealers Federal Credit Union call report
- Asset rank in state
- 268th of 269 in Pennsylvania
- Routing number
- 231379429
- Branches
- 1
It has 4 fewer members than on June 30, 2025 (-7.5%). Its net worth ratio was up 3.98 percentage points from 80.08% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $21K of $21K in total loans on its June 30, 2026 filing.
Credit unions similar in size in Pennsylvania
Frequently asked about Service Station Dealers Federal Credit Union
How big is Service Station Dealers Federal Credit Union?
At Q2 2026 it reported total assets of $129K and 49 members.
Where is Service Station Dealers Federal Credit Union headquartered?
It is headquartered in Philadelphia, PA, United States.
When was Service Station Dealers Federal Credit Union founded?
It was established in 1973, per NCUA records.
Is Service Station Dealers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24733): 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 Station Dealers Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Service Station Dealers Federal Credit Union well capitalized?
Its net worth ratio was 84.06% 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 Station Dealers Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 100.33% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Philadelphia, PA 19111
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1973
- NCUA Charter #
- 24733
- RSSD ID
- 913799
- Members
- 49
- Potential members
- 100
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 5 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 84.06% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -1.71% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -2.03% | 4.74% | 17th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.57% | 3.93% | 36th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.04% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.61% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 100.33% | 58.92% | 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
$129K total assets against $142K; $21K total shares and deposits against $28K; $21K total loans against $35K.
$109K net worth against $113K.
84.06% net worth ratio against 80.08%.
100.33% loan-to-share ratio against 123.08%.
-1.71% return on assets against -0.44%; -2.03% return on equity against -0.54%.
3.57% net interest margin against 4.33%.
49 members against 53.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 84.06% | -1.71% | — | 100.33% |
| March 31, 2026 | 84.73% | -1.67% | — | 116.92% |
| December 31, 2025 | 83.86% | -1.77% | — | 127.23% |
| September 30, 2025 | 85.82% | -9.24% | — | 166.97% |
| June 30, 2025 | 80.08% | -0.44% | — | 123.08% |
| March 31, 2025 | 79.76% | 0.38% | — | 133.06% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.