CU Explorer

Service FCU AI Score

Credit union in Portsmouth, NH · NCUA charter #24921 · Federal charter

Legal name: Service

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$6.70B
Total loans & leases$5.54B
Total shares & deposits$5.84B
Members389,000
Net worth$797M
Net worth / assets11.89%
Loans / assets82.64%
Return on assets (annualized)0.94%
Loan growth (YoY)7.15%
Member growth (YoY)4.46%
Delinquency, all loans (60+ days)2.60%
CharterFederal charter
Asset band> $5B
NCUA peer groupover $500M
Sponsor typeMilitary

AI readiness

AI Score: 3 of 5 stars, AI connected to internal credit-union data

An AI system works on the credit union's own data: a member-facing assistant answering from its accounts or knowledge base, AI analytics or personalisation on member data, machine-learning fraud detection on its transactions.

Service Credit Union has publicly described putting an AI-powered search tool on its own website that answers visitors' questions from its content, and separately says it adopted Microsoft Copilot for staff productivity. No public evidence shows AI making or shaping decisions inside lending, collections or contact-centre processes.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech participations, other fintech, online membership application, online loan application, online account opening, online loan payments, bill payment, account aggregation, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

In the explorer: ten-year history for every metric, balance sheet and income statement drill-downs, percentile rankings against asset-size peers, leaders and board, branches, and growth opportunities.

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