# SERVICE 1ST
Danville, PA · NCUA charter 22128 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/service-1st-22128

Who the members are: federal charter, multiple common bond, organized 1975, low-income designated. 51,411 members of 599,412 potential (8.6% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $831.2M |
| Members | 51,411 (7.5% YoY) |
| Full-time staff | 139 |
| Net worth | $90.2M |
| Net worth ratio | 10.8% (p58 of band) |
| ROA (annualized) | 0.87% (p63 of band) |
| Total delinquency | 0.49% (p38 of band) |
| Net charge-offs (annualized) | 0.70% (p75 of band) |
| Loans / shares | 93% (p86 of band) |
| Cash / assets | 11.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.88% (p79 of band) |
| Operating expense / assets | 3.53% (p48 of band) |
| Vehicles % of loans | 39% (p70 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 80% |
| Third-party paper % of net worth | 265% (p86 of band) |
| Vehicle delinquency | 0.20% (p12 of band) |
| Vehicle NCO | 1.05% (p60 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 96% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 35% |
| Average share balance | $6,663 |
| Participations bought / yr | $800,000 |
| Participations sold / yr | $0 |
| Participations outstanding | $26.5M |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $23,780 |
| Loans granted, annualized | $304.4M |

## Participation posture (from the same filings)

Bought $800,000 and sold $0 in the latest annualized quarter; $26.5M outstanding purchased (29.4% of net worth), $9.8M sold and retained. Sold in 4 and bought in 8 of the last 8 quarters. Shares 13.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | loans>95% of shares |  |
| 2017-03 | 2 |  | loans>95% of shares |
| 2017-06 | 4 | net worth falling, delinquency rising |  |
| 2017-09 | 3 | loans>95% of shares | net worth falling, delinquency rising |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | loans>95% of shares |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | loans>95% of shares |  |
| 2018-12 | 3 | delinquency rising | thin capital |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | margin squeeze |  |
| 2020-06 | 3 | net worth falling | loans>95% of shares |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | thin capital, net worth falling | margin squeeze |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 | delinquency rising | net worth falling |
| 2021-12 | 1 |  | thin capital, delinquency rising |
| 2022-03 | 2 | thin capital |  |
| 2022-06 | 1 |  | thin capital |
| 2022-09 | 2 | loans>95% of shares |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 |  | loans>95% of shares |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | loans>95% of shares | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | loans>95% of shares |
| 2024-06 | 2 | loans>95% of shares |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 3 | delinquency rising | net worth falling |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | net worth falling | loans>95% of shares |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [54 Credit Union Leaders Earn CUDE Designation - cutoday.info](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZVpnbEstUFVkSDRERlRkaWlLX240b3pWSm1DMTN4VW83REFRZzFMU2w5eDcxSGVhRVdnSlk1c3pMcmJtWk5OeUVvb0tLMWVoT3FRNElON1pPM21aZGR0eEI0SWhUY0wtN0lSSDFsSmJBcDQxenBmZFJSbzhNT2tmTFdZTXphWUZtN0E?oc=5) · cutoday.info
- 2026-09-04 [Golf tournament raises $68,000 - standard-journal.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxORDVyNW5ZRmhtRUE2LXptRkVuQjZEN3Z4anJvWkkyT20yMC1fTFp3b0JUVVlyQjdYZG40WTFZYkx6Y0xKaWlBZnRYOF8yU0hqa2NuQ0UxWEdRUk11Wmp1bXB4MEwtZXF5eDgwWWtoTTh3Xy1vZEZXWTVZOE1fRUxBVXlJLWxZUzRMaURiMk5rcS0xX1FGNHQ1QV9mNUFPaFhjX2ZqVEZVWlpNcGx2bXliVURIN1dHSUV6Q0JBQUhVRGk?oc=5) · standard-journal.com
- 2026-03-06 [Police investigate attempted $4,500 fraud at Loyalsock credit union - fox56.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPQ2FyUVB4Z3RoNHVhNnd5eXIwYUVZU0FvYi1DTklDeGxJQkJ1eHdkWmR5X0RQWldhZ3ZXaUY4RU5YSEl1YVA1ZXFjbHJzVElzUGx2MVdudEp6REFTdWRILVV2SFVEYllabmdtMTZoN0xXYmRzbHFJOV84aktHcmt6dUhETk1QMFBVZGdCUGptaU5XLWlGNkNJZ1FR?oc=5) · fox56.com
- 2024-10-11 [Service 1st Federal Credit Union Signs 5-Year Extension with Bucknell Sports Properties, Securing NIL Deal with Bucky the Bison Mascot - Bucknell University Athletics](https://news.google.com/rss/articles/CBMikAJBVV95cUxOMUljUkVkNzNmU1NHcTREYWhvcHBUUXJnODQ2QVBUNFhuSG5jZWpUWWN2N0ZpLTdSSXlDUlMzYUY0eVNBejk2cTF3Z3JISlpVTjZnUjhQTWdIQW9jbm5fLThMRmx1RFRJOUR5MmppWVhnTWI3TlpBaU5TdWY3VVhCeHdtd2FnTjZwUG9WWnJnX1c2bzVDMGJjRlZKZlZWamFSV1JiS3JpN2FFRE1qcjdNS2NIYWM5Tk9kQy1lSGs2VnlqTDh4VWRLenNVWXM1bkJPUWRDa0FCeU9qZWpUdklXNzQtMlJzb2kzM250ZnpUSmUtak13aXdOT2g3czNpRUQ0czZNQ1lsUG0ySlFrUmZucQ?oc=5) · Bucknell University Athletics
- 2021-11-18 [2021 Crystal Performance Awards Show Pandemic Resilience Among Credit Unions - Fiserv](https://news.google.com/rss/articles/CBMixAFBVV95cUxNX3pLYXJNeWI0ck0wTnJNcElTbVU2ZzB1VF9zVEJ5YlFKelQ1dE84VE1nU2ZydXU0Y3ZVZENybXpFQjNSY3VKN2RHODE1OXl1dDRzUUNzQmo3N1diNWR4YnFILXlhWE1jcVJ4N3cwWGh5bWNBQkRmNVJHaWttSHYwMkIyUUFNTTlPUUFWc3RhLVRvaHF1VkQ5UFVxVGZtUWJEd0lXNUJQbXhDYnpKRXZqVnVMSnVieEM5NkowRTZXRjU2NVdW?oc=5) · Fiserv
- 2025-07-16 [Credit union closed in Bloomsburg after car crashes into lobby - WNEP](https://news.google.com/rss/articles/CBMiggJBVV95cUxQZWc0MzE2RFAxYjRYcGVqcjZBZ0daRWswbzJQSUFFRGh2MUR1TmtJd1U5UGhiYklWU0trNFpOZVhLOVQwWGpFbkV4Rm02ZnpIQkZkbVU4dlh4MWt1S1dvMXFLbjhuM2M2QWRRZW1Ud3VLT2dET0UteVVETGdTb200aUpmMUZTb0ZuRzFzZmw3YjJPR0xQdnUtelpEVFVZY0tTWHJTUm5RTDB5ZHJCbjZfTTc2ajhOU1BkbjdSaUFxblY1UmNqT0FFMHlBbk9LN1JfQkZ5TUd2eHdGaVV1NGdQT3podzhGTnRkVS1SNjYySG5KRm1YS1o0dTZlMDZSOE9sSGc?oc=5) · WNEP
- 2025-03-20 [Members 1st Federal Credit Union names new chief consumer lending officer - NorthcentralPA.com](https://news.google.com/rss/articles/CBMi9gFBVV95cUxQdkcyd2JMckZFRkM2Mm5yaVlTUW5NT3M2M1RWZW8zZG00bVVHTEJTVDc3SlUzZ3VDTFhrMzRLZlhDOEtQT1JwbEpoOS1sNWFFV1hpamstcVRNaGltR21ZVXg3STlZMl83NXF2b0h0cXJHT1RMOTFCNkJxQnp2MlJmN2xjYnAyVFptX1FxMl9uNEh5c2hVWE15cExsdjI0V3JBbEM5dDhCOHNPc2hlUnh6UV9vVGh4WFdmUktYblZMRnVKdXNQVGwxWnVJNXdGOVZtcGJZS2FHMVNZUmM1S0ZOZnhiV0xTSlp1V1dMVmdhTU9tbVJUOEE?oc=5) · NorthcentralPA.com
- 2026-06-16 [National Geographic Live: Penguins of Antarctica - Bucknell University](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPLWkyZkpLbHlJOElXUWg0SXVTc2oxMzVWblNHT2tVeHA4N2txSDYwNHNJUEh2NE9wMHpwb0NfblBQeW91SDlvN0JzZGZ4Zzg5czJZVktjMTNPN0hlZ082QnZhQ0ZaWXEzTE5vWGVEdEZabXo2ckRXRlh2dzdjczN5WGhaYW5pdWVnaFNsSjUzZEtSWFVvU1BkZEJVQ3AtOUhpbmQtRzdFanFQNkhPTVRjQkIwcW43cVdiVnlXd1dnUnVqM0ZRUkxZUFcydXd0UWpoZVdpeTZDLW5OTWNCSDVZN1U3YlFBbUhVTTliV0RR?oc=5) · Bucknell University

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22128 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/48.json (key "22128", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=22128
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide