Service 1 vs Route 31
Comparing a Credit Union in Muskegon, MI with a Credit Union in Muskegon, MI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Service 1 ↗ Credit Union · Muskegon, MI · Est. 1940 | Route 31 ↗ Credit Union · Muskegon, MI · Est. 1949 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Muskegon, MI | Muskegon, MI |
| Total assets | $197.4M | $101.5M |
| Net worth ratio | 18.3% | 13.5% |
| Return on assets | 1.7% | 1.0% |
| Shares & deposits | — | — |
| Members | 21,204 | 9,472 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 170 | #5 of 170 |
| Established | 1940 | 1949 |
Service 1
- Assets: $197.4M
- Members: 21,204
- Capital ratio: 18.3%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #1 of 170
Route 31
- Assets: $101.5M
- Members: 9,472
- Capital ratio: 13.5%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #5 of 170
Are both institutions federally insured?
Yes. Service 1 is NCUA-insured and Route 31 is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Service 1 or Route 31?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Service 1 scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Service 1 safe?
Yes — Service 1 is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Route 31 safe?
Yes — Route 31 is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Service 1 vs Route 31?
Service 1 has a net worth ratio of 18.3%, placing it in the top 4% of $100M–1B peers. Route 31's ratio is 13.5%, placing it in the top 23% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Service 1 have compared to Route 31?
The CFPB database shows 0 complaints against Service 1, and 0 complaints against Route 31. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Service 1 with other Credit Unions in Michigan
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
