# SERVICE
PORTSMOUTH, NH · NCUA charter 24921 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/service-24921

Who the members are: federal charter, multiple common bond, organized 1957, low-income designated. 383,839 members of 23,456,552 potential (1.6% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.63B |
| Members | 383,839 (4.5% YoY) |
| Full-time staff | 907 |
| Net worth | $780.9M |
| Net worth ratio | 11.8% (p68 of band) |
| ROA (annualized) | 0.94% (p70 of band) |
| Total delinquency | 2.68% (p98 of band) |
| Net charge-offs (annualized) | 0.76% (p73 of band) |
| Loans / shares | 93% (p70 of band) |
| Cash / assets | 4.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.67% (p74 of band) |
| Operating expense / assets | 3.30% (p55 of band) |
| Vehicles % of loans | 35% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 48% |
| Third-party paper % of net worth | 116% (p43 of band) |
| Vehicle delinquency | 0.99% (p78 of band) |
| Vehicle NCO | 0.70% (p31 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 95% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 41% |
| Average share balance | $6,865 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $121.9M |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $24,586 |
| Loans granted, annualized | $1.71B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $121.9M outstanding purchased (15.6% of net worth), $209.4M sold and retained. Sold in 7 and bought in 0 of the last 8 quarters. Shares 10.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

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

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

- 2026-09-01 [Service Credit Union Student-Athletes of the Week: Emma Converse and Graham Dougald - University of New Hampshire Athletics](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPOEVMU1pSYTZON0N0OHB4U0YxaHpGcmJxWkFRRmFUdVBfMTZaZ1dHRFp5RHA2N21VWHB0dVNUUjA4a3FfQUlXSzFQT1k1YWs0aG9fOUpXaTloZVdTRDJWZXhHNHFwaG01X3hPVzRLczhUMmpwTTkwa2I4cGZCNEJOQ1FNYkVaNnF2TWMtRnFydGNDZVctOUdDREZ5QUt1R2FtQVJubVFheVJtUjNNMHpVazFJdGFxTTNUZE9sWTEwTkwzTVJBcktKdw?oc=5) · University of New Hampshire Athletics
- 2026-06-05 [Service Credit Union review (2026): Competitive rates and military-focused banking - Yahoo Finance](https://news.google.com/rss/articles/CBMiogFBVV95cUxPSzZMWEJQalN4SWFJaXIxcW81WnBOQzZXZEU0c3NrX29yX25MV0J3NmhEbTRwZGxLNERIVzI0NXc5c0JzcXpVLVhleVdoaHRfa0NoT3J4OVN0WnNwLVg5TGU3WmRJVWl5MmU3Zk42azk4YUY3MU82elNwZ1RuWkhVYzhhT1dUc2lIM2p4RHp0ZWVRTFhSRTR1QV9jV2dHbGZscGc?oc=5) · Yahoo Finance
- 2026-08-20 [Service Credit Union Marks 10 Years of Pack-A-Pack - GlobeNewswire](https://news.google.com/rss/articles/CBMivwFBVV95cUxOQmtYa2E5M3RrU3cyU245eG54Q2o5NF9qX1RzTHQ4NmNqTnF4OGNONGJCU2pwblB0NXJkbERlOThmX2tMZEgtNGYxTFg3dkhwaFM1eUlINUMwNzZmRTY3WU05LWp0N1pCOEtNRVp6RlZ5WVQ3ejl0R1Z5d2pGVVFVeFpWN19EXzFWVUstZC1lYUxIR2poSzRpa096SDVpUGFqS0NJdG0xdzhObjA4RHpzRnF0YUViZENSTHhDQ0V1TQ?oc=5) · GlobeNewswire
- 2026-08-26 [Service Credit Union surprises first responder with mobility aid - WMUR](https://news.google.com/rss/articles/CBMingFBVV95cUxQc3VabmF2ZzQ4RDNIRzhxUmhhXzM5WTZRdE0zaThCbjdnSFNueTB1UVJRV01faFVMUVRVOWQ5X1dKSDNLSlpSejl1dTlYTWlKZzRwOUJkV3I2X0dlZlkzbi12ZXBuSFVYWjVROGN4XzNBZFJiZTN0VUdqM05iTXdTcXdrNDl6MlYzcWRQQTBCMUQ5TlpVaTBycEtreDNmdw?oc=5) · WMUR
- 2026-03-18 [How one credit union empowers employees in the fight against scams - Banking Dive](https://news.google.com/rss/articles/CBMikgFBVV95cUxPd1l4QVR2VlQzLWlnak53NkpKbWhkaDcxYUhIY2Vid1JTbTh0WDlZVGpici11UDd4YV9ob2xNeGk4Q015RFRweFVNV0JHQUY1ejFtTUZsSGtYNVVkekJIcWtPdWVVYm9JUUhUYWh6eXYwanJsaUxnM1ZkTlpMZy1KTl9ueVRleW9MS01Tc05JeEM4QQ?oc=5) · Banking Dive
- 2026-07-21 [New lawsuit alleges coordinated fraud - NH Business Review](https://news.google.com/rss/articles/CBMia0FVX3lxTFA5dXhJdm9IbmdFa1JWSmJ2eXJyallET2prQlFrT2RvVG1BN0c3VFk5TkcydU4wdG5paktiUjllT210Y3JQVWJrYUxOTld3V3hrZFcxVHQ2WmZRa2Nua2JNUi1GMFNLaDZhRWl3?oc=5) · NH Business Review
- 2026-06-19 [Rodgers + Hammerstein's Cinderella, presented by Service Credit Union - Visit NH (.gov)](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPbUhhNUlSZHU2dWRMNktpZHJxLVNRczF5YUlnUUJpdUVjMHFZYzRRUVJjWW9nWmZnOXVERUMtT1g2OHFZc3hLaVpQZ2ZFY3NhOGo3aFNqQVladWNsRGFuZ2ZMLWJ1VnJoeG9ZWnp1aV9Qb3hCRzlpYTg1NzBvTi1TOVdHdk96OS1XdTFxX0hWN1VjdEItQ1lHU3N2U1hzWEtwdENmRWYyaU15T1FhMnNxaHFiRzdFb3N1cVJR?oc=5) · Visit NH (.gov)
- 2026-01-16 [Service Credit Union coming to Ridge II in Rochester - Foster's Daily Democrat](https://news.google.com/rss/articles/CBMipwFBVV95cUxOWUNhT3otNG5GWlJ2M3ZHX0ViaEh4MEFPT1RkX190T2dNOGo2SHV2OFNEQlpWclpHRTBsOFpaak1WZXZXN2VLc2YwRU5pVlpYVnBVUWNLajVBbTFnMVBLUGlSc1JzaDFfSmdrTkxCdnlvX25TdkFZWjN2MW5CV0ZyNVBJM1N2VEdIa1VMUFA4cjJmbzZsSGNCMTEydkQyOXRXdU9xcDQ0bw?oc=5) · Foster's Daily Democrat

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24921 (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/25.json (key "24921", 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=24921
- 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.

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