SERVICE 1
Federal • Muskegon, Michigan • Est. 1940
Quick Facts
- Charter Number
- #4038
- Type
- Federal
- Established
- 1940
- Headquarters
- Muskegon, Michigan 49443-0810
- Address
- P.O Box 810
- Branches
- 5
- ATMs
- 4
- Members
- 21,559
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
21,559 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SERVICE 1 |
|---|---|
| Total Assets | $194.5M |
| Members | 21,559 |
| Loans Outstanding | $140.9M |
| Shares & Deposits | $157.8M |
| Net Worth | $35.3M |
| Net Worth Ratio | 18.13% |
| Loan-to-Share Ratio | 89.3% |
| Delinquency Rate | 0.50% |
| Net Income | +$3,098,204 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 4 ATMs
Service 1 FCU
Main Office1075 E Sherman Blvd
Norton Shores, MI 49444-1807
Service 1 FCU/Neosho
2975 Gardner Edgewood Dr
Neosho, MO 64850-3110
Service 1 FCU/Lakes Mall
1625 Eastwind Dr
Muskegon, MI 49444-7837
Service 1 FCU/Table Rock Branch
25368 State Highway 39
Shell Knob, MO 65747
Service 1 FCU/SB Branch
991 W Broadway Ave
Muskegon, MI 49441
Who Can Join SERVICE 1?
Membership Type: Community
Membership eligibility for SERVICE 1 may vary. Contact the credit union directly to confirm qualification requirements.
Contact SERVICE 1 directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. SERVICE 1 is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SERVICE 1 has 21,559 members and a potential membership field of 627,005 people.
SERVICE 1's net worth ratio is 18.13% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 18.1%, SERVICE 1 meets this threshold.
SERVICE 1 operates 5 branch locations and has access to 4 ATMs. The main office is located at 1075 E Sherman Blvd, Norton Shores, MI 49444-1807.
SERVICE 1 was established in 1940. It is a federal credit union chartered under charter number 4038. The institution has been serving members for 86 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SERVICE 1. All financial data is for informational purposes only.