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Overview / Commentary
920-433-1784
600 N Adams St
Green Bay, WI 54301

Service Credit Union is headquartered in Green Bay and is the 112st largest credit union in the state of Wisconsin. It is also the 3,945th largest credit union in the nation. It was established in 1934 and as of March of 2014, it had grown to 2 employees and 1,535 members. Service Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee or retiree of Integrys Energy Group, Inc. or any of its subsidiaries. Also open to residents of the State of Wisconsin and Michigan. - See Details

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Health

Data for Q1 2014

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Service Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Service Credit Union had $0 in non-current loans and owned real-estate with $2.42 million in equity and loan loss allowances on hand to cover it. This gives Service Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
C

In the past year, Service Credit Union has decreased its total deposits by $-159,000, resulting in -1.25% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Service Credit Union has shown is average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Service Credit Union has $15 million in assets with $2.42 million in equity, resulting in a capitalization level of 16.16%, which is excellent.

Institution Statistics

Overall
NCUA #66530
Year Chartered1934
Employees2
Primary Regulator
Assets and Liabilities
Assets$15.01 million
Loans$5.72 million
Deposits$12.58 million
Equity Capital$2.41 million
Loan Loss Allowance$12,000
Real Estate Owned$0
Historic Data - March 2013
Assets$15.17 million
Equity Capital$2.42 million
Loan Loss Allowance$40,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin0.81%
Return on Assets-0.11%
Return on Equity-0.66%
Interest Income$65,000
Rates
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Service Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$25$4kHoliday Account
0.05%$25-Share Account

Service Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.30%$2,500-365 Day Share Certificate
0.10%$2,500-182 Day Share Certificate
Locations


Service Credit Union Locations
Branch Office600 N Adams StGreen Bay, WI 54301