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Service 1st Credit Union Share
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Overview Share
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Service 1st Credit Union is a federally insured state credit union based in Greenville, Texas. It has been opened since 1954, for 68 years.

With around $62,050,000 in assets, Service 1st Credit Union is considered to be a large credit union. It has 1 branches and 1 ATM locations.

About Share
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Address Po Box 8155
Greenville, Texas 75404
Website http://www.s1cu.org
Phone (903) 457-4686
Fax (903) 457-7138
CEO Michael R. Bailey
President of the Board Michael Andreola
Services Offered
Score Card Share
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68 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
5,557 members
Membership type: State chartered natural person credit union
Average number of members
370:1
Credit union member to staff ratio
370 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$62,050,057
Total assets
Above average
1 branch
Compared with an average of 4 nationally and 3 in Texas
Average number of branches
0.50%
Savings interest rate
Compared to 0.3% nationally
6.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 3 in Texas
Average number of branches
Service 1st Credit Union Branch Locations

Service 1st Credit Union: Main Office
10001 Jack Finney Boulevard
Greenville, Texas 75402
ATM Available
Members Share
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5,557 members
Membership type: State chartered natural person credit union
Average number of members

With 5,557 members, the Service 1st Credit Union is considered to be a medium size credit union. It is larger than 59% of credit unions.

Fees Share
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$74
Average fee per member
The average fee per member at the Service 1st Credit Union is $74, which is high compared to most credit unions. This rate is higher than 70% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Service 1st Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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370:1
Credit union member to staff ratio
370 per each FTE employee
Compared to 411:1 nationally
Average number of staff
15 staff members
FTE (full-time equivalent)
0% of employees are part-time
15 full-time, 0 part-time

Service 1st Credit Union has 15 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Service 1st Credit Union has around 370 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets Share
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$62,050,057
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
9.8%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$2,536
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 97% of credit unions.

Service 1st Credit Union holds a total of $38,120,000 in loans and leases, which is about $2,536 per member on average.

Savings interest rate Share
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0.50%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Service 1st Credit Union pays 0.50%.

Loan rates Share
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6.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
6.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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3.50%
New car loan rate
Compared to 4.0% nationally
4.25%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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4.50%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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