Credit Union Safety Analysis
Is Service Station Dealers Federal Credit Union Safe? Philadelphia, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Service Station Dealers Federal Credit Union has a net worth ratio of 84.06%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Service Station Dealers Federal Credit Union's net worth ratio is 84.06%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 84.06%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): -1.71%
- Loan-to-share ratio (Q2 2026): 100.33%
Service Station Dealers Federal Credit Union (NCUA charter 24733, established 1973) reported $129K in assets and 49 members for Q2 2026 from Philadelphia, Pennsylvania. It ranks 268 of 269 credit unions in Pennsylvania by total assets. Total assets fell 8.6% from $142K on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 84.73% for Q1 2026; 80.08% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -1.67% for Q1 2026; -0.44% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 116.92% for Q1 2026; 123.08% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $21K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $129K | 84.06% | — | -1.71% | 100.33% |
| March 31, 2026 | $129K | 84.73% | — | -1.67% | 116.92% |
| December 31, 2025 | $131K | 83.86% | — | -1.77% | 127.23% |
| September 30, 2025 | $129K | 85.82% | — | -9.24% | 166.97% |
| June 30, 2025 | $142K | 80.08% | — | -0.44% | 123.08% |
| March 31, 2025 | $142K | 79.76% | — | 0.38% | 133.06% |
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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.
Service Station Dealers Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24733) · FFIEC NIC profile (RSSD 913799)
Frequently asked questions
Is Service Station Dealers Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Service Station Dealers Federal Credit Union's net worth ratio is 84.06%, above the 7% NCUA threshold for well capitalized.
Is Service Station Dealers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Service Station Dealers Federal Credit Union is a federally insured credit union (NCUA charter 24733): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Service Station Dealers Federal Credit Union's key safety ratios?
For Q2 2026, Service Station Dealers Federal Credit Union reports net worth 84.06%, delinquency not reported, ROA -1.71%, loan-to-share 100.33%.
What happens to my money if Service Station Dealers Federal Credit Union fails?
For Q2 2026, Service Station Dealers Federal Credit Union held $21K in shares and deposits for 49 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.