South Bend Firefighters South Bend, IN · Charter 13279 · Peer group: credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (n=17)
NCUA · 1 branch
Q2 2026
$64.3M Assets
$37.3M Loans
$49.0M Shares
$15.2M Net Worth
Executive Summary Strongest standing: efficiency ratio outperforms 94% of credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (rank 2 of 17). Widest gap: net interest margin trails 100% of credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (rank 17 of 17). Overall: at or above the peer median on 5 of 7 directional measures. Return on Assets
1.29%
Rank 5 of 17
Net Interest Margin
2.91%
Rank 17 of 17
Efficiency Ratio
65.41%
Rank 2 of 17
Equity / Assets
23.61%
Rank 3 of 17
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 1.29% 0.19% 0.64% 1.29% Beats 71% 5 / 17 Return on Equity 5.45% 1.18% 4.37% 6.83% Beats 59% 7 / 17 Net Interest Margin 2.91% 3.90% 4.45% 5.14% Beats 0% 17 / 17 Efficiency Ratio 65.41% 70.94% 82.19% 89.67% Beats 94% 2 / 17 Asset Quality Nonperforming Loans / Loans 1.07% 0.25% 0.67% 1.07% Beats 29% 13 / 17 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 23.61% 11.07% 13.23% 17.96% Beats 82% 3 / 17 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 23.61% 11.07% 13.23% 17.96% Beats 82% 3 / 17 Liquidity & Funding Loans / Deposits 76.05% 50.73% 68.00% 82.61% 53rd pctl 8 / 17 Loans / Assets 57.93% 39.57% 58.53% 70.18% 41st pctl 10 / 17 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-10