Muskegon, Michigan · Peer group 5
Service 1 Credit Union
Service 1 Credit Union holds $197.4M in assets across 21,204 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 1940. Charter number 4038, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $197.4M |
|---|---|
| Total loans | $139.4M |
| Total shares (deposits) | $160.0M |
| Net worth | $36.1M |
| Members | 21,204 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -4.5% | |
|---|---|---|
| Loans | -3.2% | around the 17th percentile of its peer group |
| Deposits | -7.1% | lower than 98% of its peer group |
| Members | -3.0% | around the 22nd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 87.1% | around the 84th percentile of its peer group |
|---|---|---|
| Net worth ratio | 18.3% | higher than 95% of its peer group |
| Return on assets | 1.75% | higher than 94% of its peer group |
| Delinquency ratio | 0.44% | around the 36th percentile of its peer group |
| Cash / assets | 14.7% | around the 79th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Service 1 Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Downriver Community Credit Union
Ecorse, MI
$193.5M · 12,303 members
- Awakon Credit Union
ONAWAY, MI
$201.9M · 14,830 members
- Trunorth Credit Union
Ishpeming, MI
$203.4M · 15,474 members
- Journey Credit Union
SAINT JOHNS, MI
$189.6M · 17,238 members
- Polish-American Credit Union
Troy, MI
$188.2M · 7,404 members
- Aac Credit Union
Grand Rapids, MI
$211.2M · 14,809 members
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