# SERVICE 1ST
Greenville, TX · NCUA charter 67645 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/service-1st-67645

Who the members are: state charter, organized 1954. 4,705 members of 138,000 potential (3.4% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 70.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $72.8M |
| Members | 4,705 (-0.5% YoY) |
| Full-time staff | 13 |
| Net worth | $11.6M |
| Net worth ratio | 15.9% (p75 of band) |
| ROA (annualized) | 1.20% (p75 of band) |
| Total delinquency | 0.33% (p32 of band) |
| Net charge-offs (annualized) | 0.06% (p27 of band) |
| Loans / shares | 59% (p47 of band) |
| Cash / assets | 47.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.26% (p81 of band) |
| Operating expense / assets | 3.21% (p38 of band) |
| Vehicles % of loans | 60% (p77 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 3% |
| Third-party paper % of net worth | 12% (p65 of band) |
| Vehicle delinquency | 0.42% (p42 of band) |
| Vehicle NCO | 0.11% (p44 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 98% |
| Certificates % of member funds | 1% |
| Average share balance | $8,710 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $722,597 |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $11,059 |
| Loans granted, annualized | $9.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $722,597 outstanding purchased (6.2% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -2.3% year over year.

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | 3rd-party paper>100% NW |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | members leaving |
| 2020-06 | 3 | loan book shrinking |  |
| 2020-09 | 2 |  | loan book shrinking |
| 2020-12 | 3 | loan book shrinking |  |
| 2021-03 | 5 | net worth falling, margin squeeze |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 4 |  | 3rd-party paper>100% NW |
| 2022-03 | 4 | delinquency rising, 3rd-party paper>100% NW | net worth falling, margin squeeze |
| 2022-06 | 3 |  | loan book shrinking |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | delinquency 2x band |  |
| 2023-06 | 2 |  | delinquency rising, delinquency 2x band |
| 2023-09 | 2 | assets shrinking | 3rd-party paper>100% NW |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | members leaving | assets shrinking |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 | assets shrinking | delinquency rising |
| 2025-12 | 1 |  | members leaving, assets shrinking |
| 2026-03 | 1 |  |  |

## 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
- 2021-11-18 [2021 Crystal Performance Awards Show Pandemic Resilience Among Credit Unions - Fiserv](https://news.google.com/rss/articles/CBMixAFBVV95cUxNX3pLYXJNeWI0ck0wTnJNcElTbVU2ZzB1VF9zVEJ5YlFKelQ1dE84VE1nU2ZydXU0Y3ZVZENybXpFQjNSY3VKN2RHODE1OXl1dDRzUUNzQmo3N1diNWR4YnFILXlhWE1jcVJ4N3cwWGh5bWNBQkRmNVJHaWttSHYwMkIyUUFNTTlPUUFWc3RhLVRvaHF1VkQ5UFVxVGZtUWJEd0lXNUJQbXhDYnpKRXZqVnVMSnVieEM5NkowRTZXRjU2NVdW?oc=5) · Fiserv
- 2025-12-17 [Karen Elaine (Bower) Scott - - Williamsport Sun-Gazette](https://news.google.com/rss/articles/CBMie0FVX3lxTE5BckF6aWVHaFYyZmhEYzZMaGhxb2RsSjd1QUJQcWxIN1pvaThlWW5xS2QwZjFrdVVtVnZ0Y1lkWVY2NDdnejFhRUJ2VlF0akZUQlVJbi13Z1NBSVdNT3dpMGVYV25wT3JtRHJtT0d3UXBKaGdxYW1hU0FBYw?oc=5) · Williamsport Sun-Gazette
- 2026-02-10 [$3M TTCU Federal Credit Union overdraft fees class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQM0RFVThWbTBaOUhzQTFPUXRZNnJSRU5IZTYtaFZIeHl3dDJNYk45VThXYWpYZ1dRZ2hrQlFOZFFXT2dPQnU3aTZKMUZWOG9pZTdoREVhU2ctdWtsVHdKSllwcVI3cVFYVnlUYW9mcnVFeHJYdE41c3hiMTNpM0ZxdjV4MnRicVBGbHdvSnZ5SmxLZVpHSHUtUW15UDhITkxJMHh3c0d1TGdzQWNCSEdqdGdfZkwwb2ZSdHJJSlJPWGI2S2Y4NHVKcEI4SDZrWTFaajNaSW5TXy0?oc=5) · Top Class Actions
- 2021-05-26 [Inaugural Kathleen Deegan Hughes Memorial Golf Tournament raises over $50,000 to help fight ACC - The News-Item](https://news.google.com/rss/articles/CBMijAJBVV95cUxPVlVmWUI5NUk5MVRtSFRrdFpRYmVkVFh0a25tTDNjV3BjM3BhaXdPTEFhNHpVYmJvR0FGVnN0UjhoR0ptSm5mOU9DM1dpMC1WamRzOHZnUzRGa241Qm4zZjlRYW9GYmVGNEpZZWRRVTFrN2ZYYzk1cjJIWjVjTkVobTEzSnBOYlVrblQ1cDRKa3pIOEpLbzc0SmFZR1BsbGtINEZrMExDZFFTX1NwdE1PLUo5cmtRWTI2VnF1RERjV3NvYWluamJDcC1ZTmJfODlUd2FMY09HaHVtZmJ3ZEdNc3ZWRG1WY3dHYVd6SndCRFpWVjcxQV9PX3pwbkxjNS02TG94bDJkWDhZbnNs?oc=5) · The News-Item
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2015-11-17 [Apple Pay Now Supports Tesco Bank and TSB in U.K., Over 90 New U.S. Issuers - MacRumors](https://news.google.com/rss/articles/CBMic0FVX3lxTE5LbmR4WnpPOV9BNUxrbXhOSGxqZkFTVGpsVk5UbXdSb184eUItclI3Z25ESmVtQ2ZNMzNRNnJta0U0cFlJZUloTXV6OE8xcnpDSmR6SWJTNnEtMU01Rm5rakxJajZIMEx4SE85NF83RU00UG8?oc=5) · MacRumors

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67645 (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/61.json (key "67645", 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=67645
- 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