# SERVICE ONE
Bowling Green, KY · NCUA charter 62484 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/service-one-62484

Who the members are: state charter, organized 1963, low-income designated. 17,671 members of 546,931 potential (3.2% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 88.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $270.8M |
| Members | 17,671 (3.3% YoY) |
| Full-time staff | 61 |
| Net worth | $25.3M |
| Net worth ratio | 9.3% (p20 of band) |
| ROA (annualized) | 0.41% (p29 of band) |
| Total delinquency | 0.84% (p70 of band) |
| Net charge-offs (annualized) | -0.02% (p1 of band) |
| Loans / shares | 83% (p73 of band) |
| Cash / assets | 11.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.52% (p48 of band) |
| Operating expense / assets | 4.28% (p74 of band) |
| Vehicles % of loans | 16% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 6% |
| Third-party paper % of net worth | 8% (p27 of band) |
| Vehicle delinquency | 1.18% (p81 of band) |
| Vehicle NCO | 0.22% (p23 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 115% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 32% |
| Average share balance | $7,440 |
| Participations bought / yr | $614,788 |
| Participations sold / yr | $0 |
| Participations outstanding | $54.1M |
| Loans outstanding per 100 members | 88% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $12,965 |
| Loans granted, annualized | $26.8M |

## Participation posture (from the same filings)

Bought $614,788 and sold $0 in the latest annualized quarter; $54.1M outstanding purchased (213.4% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 3.9% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 0 |  | net worth falling, delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | net worth falling, losing money, members leaving |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 | delinquency 2x band, delinquency rising | net worth falling, members leaving |
| 2020-12 | 2 |  | delinquency 2x band |
| 2021-03 | 3 | net worth falling, margin squeeze | delinquency rising |
| 2021-06 | 0 |  | losing money, net worth falling, margin squeeze |
| 2021-09 | 1 | members leaving |  |
| 2021-12 | 1 | net worth falling | members leaving |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 5 | thin capital, delinquency rising, loans>95% of shares, leaning on borrowings |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 3 |  | net worth falling, leaning on borrowings |
| 2023-06 | 4 | leaning on borrowings |  |
| 2023-09 | 5 | net worth falling |  |
| 2023-12 | 3 |  | delinquency rising, net worth falling |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 | delinquency rising | loans>95% of shares, leaning on borrowings |
| 2025-06 | 3 | delinquency 2x band |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 0 |  | thin capital, delinquency rising, delinquency 2x band |
| 2026-03 | 0 |  |  |

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

- 2026-04-24 [Service One Credit Union announces Mark Ford as new Branch Manager for Bypass location - WBKO](https://news.google.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?oc=5) · WBKO
- 2026-04-24 [Service One Credit Union announces Mark Ford as new Bypass Branch manager - WNKY](https://news.google.com/rss/articles/CBMimwFBVV95cUxOUkRzTW93eXlXQ1dIcXM5M0czeGpVX3JpOEYzTFBBZjVMdjdsRTVWa2o4YVIxS05uNXdDR2YzQ0I4aXl3Zi1ZUU5aZ0FwUVF2bUx5Q21nd0RRR3lqOGs5RlRYWm5pcGx1VW5jVER0X2M0SDF3ZFVsU01YbFkyY1Z2VmhXTGlDcFRDRzk1cndockpSVWZJSlJJczZGbw?oc=5) · WNKY
- 2026-04-24 [Service One Credit Union donates $15,000 to the SKYCTC Foundation - WBKO](https://news.google.com/rss/articles/CBMikwFBVV95cUxNWFdabkQzNm9iOXJKWUZHekxjajJSeHY2c18weFROV1JHaGpqcGp6T3BpU3RZY0wzTGNCUVRhWC13OUxLUGtnM0o1SnpOaW9wOEFCOG4ydExuanB6TDY4N3FWOWJDWTVuYnRMQUQ4NTBaa19PcWNQbTBvdmU2enpiY3RSX3pzUjRjNXhtdENUT3NiYkXSAacBQVVfeXFMUERQbkt5d0JFcGpPdHFVVWRrQXAxYzRHaGhnQTQ2UHNvdUhfbXE0U041RkhFMU1FX1BMU2pHdGxlbGdVYUFiVjBCeGd5cGIwT3hMQkNRRXpmR0VXTHBUM3B0dmVid1dCQUhyYjBGb0hpVU5PeWk0aEpTRU5pMTFIT0doeS0zRkdVaFgtUk5FSVhDOFpxNUxHUVQ1YWtPSWx0WG9TaGtIeGM?oc=5) · WBKO
- 2026-04-14 [8 Career Moves Include Executive Promotions at Star One, Mission Fed & Service One CUs - CUTimes](https://news.google.com/rss/articles/CBMivAFBVV95cUxOb3k0V1dQSXFLT215SW8tUUJpcEZ2QS0tT0ZQQjJpS1ZSMVBCQXg5akFBRVNuNTRUa0FGdDNDeV85anJUQllUU2VTMERJc0lDX3dIS2RZeWJyNF9pX3pSdVF6aGdJa1RpUUdEUnQtZEV5QXNLU0lKY0poTFJnOWJTWWNVdFVraFZmdVRpYjBKMUZGY2VJNzJ4dlJ5RUxISU5adXlQNlVMZjduTllJWURoZF9DdGIwVHNTWDJMQw?oc=5) · CUTimes
- 2025-09-02 [From teller to CEO: Service One Credit Union names Justin Morris as new leader - CUInsight](https://news.google.com/rss/articles/CBMiuAFBVV95cUxORDZPeE8zOTB1QklmSFhWLVF0NERUMXZfdkxJeE0wazdBOWxRdFNiRmdqTDFhMThXY3diQlFtME8wMS12U05LajVuZm1GWE9uQVlPdUNmODJXOHpQZnUzTDhsU05OV0FfWVBkYVlCRk9CV3laUXdIVjc3ZXJPOWVZUEFueHF5OWlseEtZeDJjQkpzWlhhekx0SERQazFuOC15ZVpUV1Jvek1FbFFNVlJrNnFzS2NnMGJ0?oc=5) · CUInsight
- 2026-04-02 [Matt Whalen named Chief Lending Officer of Service One Credit Union - WBKO](https://news.google.com/rss/articles/CBMingFBVV95cUxOWE9Bc01MUWF0VjJyeUVxSXdUcmpQSTZ6Mk9USEVFREhCYkFIZXdveHZZQXN5ZFNKUFhWUHVoWG9vMUFSWFVnbzRJUFBDNG9jQ2tCVkNrSkJqNEJ3UU1kaHRvRXNRZmQ5QnRQS2UyMDhTazdsc0ZjcnV1WmZqRGRkaWNkaFBDOG5QdmdudUpGajRkai04cmI3c0U3Uy1zUQ?oc=5) · WBKO
- 2024-04-22 [Service One Credit Union promotes seven associates - CUInsight](https://news.google.com/rss/articles/CBMilgFBVV95cUxPeEVqYkw2aG9zUUF2RUF6bU9VeXZHNXBsdzQ4RkJhZnA0TXdVTzIyRGxjU0VOQ2h3UXd0Wl96cmp5eGd0S3dLZF9QWmtYNEY0bV91cXFvTWI1WGs2V1ktYTJNdGh2bDZ6UGN3Yzg1eGpPWk1FdVhKamZQWTFXcVpjNXd0eEFvWUJhVE5IVlJKOTJobUxVQUE?oc=5) · CUInsight
- 2024-06-20 [Service One Credit Union opens new branch on State Street - WNKY](https://news.google.com/rss/articles/CBMihgFBVV95cUxOWUI1NllfR3o4WGFheGV3R1hZZE1LZDlkamQzeFlUZVVMd21RZGI0SGxCODh3RU1KUUhXV2FTdlBJbEhmakw2eXRTTW8yaUZFdWw3U1FJaGpNU0Y4U0FxSi1tVUxTRWZuaEZfc3BzOUllUmZuVi1uVHhqLXBjaHFYS09DSXR0QQ?oc=5) · WNKY

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62484 (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/20.json (key "62484", 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=62484
- 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