SERVICE ONE Credit Union Profile

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SERVICE ONE

Charter #62484 | NCUA Region 2 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (270) 796-8500

Fax: (270) 796-9184

Founding Date: N/A

Website: http://www.socu.com

Personnel & Operations

President: Stewart, J. Pat

Manager: Morris, Justin

FT Employees: 57

PT Employees: 11

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 6

Hours: M-F 8-5 S-8-1

Credit Union Profile Summary

SERVICE ONE is a FISCU Credit Union. With a total of 17,368 members ^[1], this institution manages approximately $270,296,129 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.77% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -4.88% ^[1].

Financial Snapshot

Total Assets ^[1]

$270,296,129

Total economic resources.

Total Loans ^[1]

$212,684,728

Total value of outstanding loans.

Total Deposits ^[1]

$240,465,046

Total funds deposited by members.

Members ^[1]

17,368

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

8.77%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.29%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

88.45%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↓ -0.42%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↓ -4.88%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 2.04%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1609 Campbell Ln

Bowling Green, KY, 42104

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

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