credit union · NCUA 77 · SD
How big is SERVICE FIRST?
SERVICE FIRST (SD, NCUA charter 77) reported total assets of $209.7M, 16,365 members and a net worth ratio of 9.29% in its Call Report for 2026Q2. That ranks 1256 of 4,299 federally insured credit unions by assets, 497 of 1,061 among credit unions with $100m-$500m in assets, 6 of 33 credit unions in south dakota.
What stands out
SERVICE FIRST (SD, NCUA charter 77) reported total assets of $209.7M, 16,365 members and a net worth ratio of 9.29% in its Call Report for 2026Q2. That ranks 1256 of 4,299 federally insured credit unions by assets, 497 of 1,061 among credit unions with $100m-$500m in assets, 6 of 33 credit unions in south dakota. Against its size class: net worth ratio 9.29%, below the peer median of 11.65%; loan-to-share ratio 57.38%, below the peer median of 73.15%; return on assets 0.83%, above the peer median of 0.74%. At 9.29% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $209.7M | $198.1M | $44.9M | $68.3M | record → |
| Shares and deposits | $191.3M | $172.3M | $37.6M | $58.3M | record → |
| Loans outstanding | $109.8M | $125.2M | $27.1M | $34.4M | record → |
| Net income (year to date) | $868.2k | $766.3k | $261.6k | $222.2k | record → |
| Net worth | $19.5M | $24.5M | $7.3M | $9.0M | record → |
| Net worth ratio | 9.29% | 11.65% | 10.56% | 12.65% | record → |
| Loan-to-share ratio | 57.38% | 73.15% | 72.59% | 68.70% | computed |
| Return on assets | 0.83% | 0.74% | 0.90% | 0.71% | computed |
| Members | 16,365 | 13,230 | 3,462 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $209.7M | $191.3M | $109.8M | $868.2k | 9.29% | 16,365 | 1256 |
| 2026Q1 | $210.1M | $192.3M | $109.9M | $237.7k | 8.97% | 16,466 | 1253 |
| 2025Q4 | $205.8M | $187.1M | $109.7M | $1.1M | 9.04% | 16,598 | 1257 |
| 2025Q3 | $202.8M | $185.0M | $105.0M | $854.6k | 9.08% | 16,780 | 1272 |
| 2025Q2 | $204.7M | $187.6M | $107.3M | $550.8k | 8.85% | 16,935 | 1265 |
| 2025Q1 | $205.8M | $189.7M | $109.0M | $313.9k | 8.68% | 17,019 | 1261 |
| 2024Q4 | $199.0M | $185.0M | $115.1M | $997.6k | 8.82% | 17,185 | 1271 |
| 2024Q3 | $200.1M | $185.4M | $126.4M | $620.2k | 8.59% | 17,455 | 1265 |
| 2024Q2 | $202.9M | $189.7M | $132.6M | $38.5k | 8.18% | 17,605 | 1258 |
| 2024Q1 | $214.6M | $201.5M | $133.4M | $-156.7k | 7.64% | 17,793 | 1219 |
| 2023Q4 | $209.0M | $195.9M | $141.4M | $159.5k | 7.92% | 17,958 | 1234 |
| 2023Q3 | $207.5M | $193.9M | $144.6M | $301.3k | 8.05% | 18,080 | 1235 |
| 2023Q2 | $210.1M | $198.4M | $146.1M | $319.9k | 7.84% | 18,186 | 1226 |
| 2023Q1 | $212.8M | $200.2M | $149.2M | $200.7k | 7.68% | 18,257 | 1220 |
| 2022Q4 | $214.8M | $203.5M | $142.4M | $1.8M | 7.52% | 18,269 | 1209 |
| 2022Q3 | $218.2M | $207.3M | $116.8M | $1.7M | 7.33% | 18,002 | 1197 |
| 2022Q2 | $217.9M | $205.1M | $117.2M | $1.2M | 7.15% | 18,167 | 1200 |
| 2022Q1 | $224.9M | $210.8M | $106.6M | $1.1M | 7.20% | 18,324 | 1181 |
| 2021Q4 | $217.9M | $204.6M | $106.0M | $3.1M | 6.83% | 18,503 | 1186 |
| 2021Q3 | $210.7M | $197.4M | $109.0M | $2.8M | 6.92% | 18,682 | 1195 |
| 2021Q2 | $206.9M | $195.3M | $110.7M | $1.4M | 6.39% | 18,756 | 1200 |
| 2021Q1 | $206.7M | $195.7M | $107.0M | $527.9k | 6.01% | 18,893 | 1200 |
| 2020Q4 | $191.5M | $180.8M | $114.7M | $-1.5M | 6.17% | 18,912 | 1214 |
| 2020Q3 | $188.0M | $177.8M | $120.6M | $-2.0M | 6.16% | 19,865 | 1206 |
| 2020Q2 | $179.7M | $170.2M | $118.0M | $-2.5M | 6.04% | 19,708 | 1230 |
| 2020Q1 | $168.5M | $156.3M | $124.4M | $159.7k | 7.65% | 20,087 | 1225 |
| 2019Q4 | $165.2M | $153.4M | $126.5M | $849.0k | 7.70% | 20,002 | 1214 |
| 2019Q3 | $164.2M | $152.4M | $132.6M | $717.5k | 7.66% | 19,919 | 1213 |
| 2019Q2 | $166.3M | $155.2M | $134.7M | $478.1k | 7.42% | 19,721 | 1207 |
| 2019Q1 | $170.1M | $159.3M | $135.0M | $196.7k | 7.09% | 19,415 | 1185 |
| 2018Q4 | $163.0M | $151.2M | $138.4M | $604.9k | 7.28% | 19,184 | 1198 |
| 2018Q3 | $162.0M | $151.9M | $139.9M | $334.2k | 7.16% | 18,987 | 1199 |
| 2018Q2 | $157.9M | $148.3M | $134.1M | $-138.8k | 7.04% | 18,547 | 1228 |
| 2018Q1 | $161.6M | $152.1M | $129.9M | $123.2k | 7.04% | 18,130 | 1203 |
| 2017Q4 | $156.6M | $147.2M | $124.5M | $768.3k | 7.19% | 17,673 | 1204 |
| 2017Q3 | $157.2M | $147.9M | $123.5M | $606.9k | 7.13% | 17,354 | 1201 |
| 2017Q2 | $156.5M | $147.2M | $112.2M | $364.5k | 7.05% | 16,959 | 1206 |
| 2017Q1 | $156.9M | $147.7M | $106.7M | $155.8k | 7.03% | 16,569 | 1205 |
| 2016Q4 | $152.1M | $143.0M | $107.0M | $958.1k | 7.07% | 16,242 | 1205 |
| 2016Q3 | $150.5M | $141.2M | $89.1M | $720.8k | 7.03% | 15,757 | 1211 |
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