Services Credit Union Naperville, Illinois
Services Credit Union is a state-chartered credit union headquartered in Naperville, IL, established in 1989 (NCUA charter 96066), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,705 members and total assets of $407K (up 2.7% from Q2 2025), the 176th largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 69.22% at Q2 2026, in the well capitalized band.
Also written as Services CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 96066
- Headquarters
- Naperville, IL
- Established
- 1989
- Total assets, Q2 2026
- $407K
- Assets vs Q2 2025
- +2.7%
- Members, Q2 2026
- 2,705
- Net worth ratio, Q2 2026
- 69.22%
- Latest call report
- Q2 2026, NCUA 5300 · Services Credit Union call report
- Asset rank in state
- 176th of 185 in Illinois
- Routing number
- 071993159
- Branches
- 1
It has 296 fewer members than on June 30, 2025 (-9.9%). Its net worth ratio was up 0.63 percentage points from 68.59% on June 30, 2025. Unsecured credit card loans are its largest loan category, $27K of $27K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.32% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 69.22% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Illinois
Frequently asked about Services Credit Union
How big is Services Credit Union?
At Q2 2026 it reported total assets of $407K and 2,705 members.
Where is Services Credit Union headquartered?
It is headquartered in Naperville, IL, United States.
When was Services Credit Union founded?
It was established in 1989, per NCUA records.
Is Services Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 96066): 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 Services Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Services Credit Union well capitalized?
Its net worth ratio was 69.22% 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 Services Credit Union's delinquency ratio?
Its delinquency ratio was 2.32% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Services Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 23.58% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Naperville, IL 60563
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1989
- NCUA Charter #
- 96066
- RSSD ID
- 1423633
- Members
- 2,705
- Potential members
- 20,000
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 3 of 7 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% | 69.22% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 2.27% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.28% | 4.74% | 40th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.32% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 8.48% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.79% | 0.78% | 50th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.32% | 0.86% | 22nd bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.10% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 23.58% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$407K total assets against $396K; $113K total shares and deposits against $112K; $27K total loans against $28K.
$282K net worth against $272K.
69.22% net worth ratio against 68.59%.
23.58% loan-to-share ratio against 24.88%.
2.32% delinquency ratio against 1.52%.
2.27% return on assets against 2.63%; 3.28% return on equity against 3.84%.
2.32% net interest margin against 2.74%.
2,705 members against 3,001.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 69.22% | 2.27% | 2.32% | 23.58% |
| March 31, 2026 | 69.02% | 1.59% | 2.20% | 23.61% |
| December 31, 2025 | 68.99% | 2.63% | 2.20% | 25.13% |
| September 30, 2025 | 68.81% | 3.24% | 2.51% | 25.02% |
| June 30, 2025 | 68.59% | 2.63% | 1.52% | 24.88% |
| March 31, 2025 | 68.62% | 2.68% | 2.21% | 26.10% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.