PackageTrendsPeer
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South Bend Firefighters

South Bend, IN · Charter 13279

NCUA · 1 branch

Q2 2026

$64.3MAssets
$37.3MLoans
$49.0MShares
$15.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.29%, up 35 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 1.07% of loans (-58 bps YoY).
  • Capital: net worth / assets of 23.61%, up 42 bps from a year ago.
  • Funding: loans stand at 76.04% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.29%+35 bps YoY

Net Interest Margin (YTD, annualized)

2.91%+37 bps YoY

Efficiency Ratio (YTD, annualized)

65.38%-633 bps YoY

Net Worth / Assets

23.61%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%1.03%1.13%1.19%1.29%+35 bps
Return on Equity4.04%4.46%4.83%5.18%5.44%+140 bps
Net Interest Margin2.54%2.60%2.70%2.84%2.91%+37 bps
Efficiency Ratio71.71%69.52%67.70%66.83%65.38%-633 bps
Growth
Asset Growth (YoY)11.06%11.40%8.75%6.36%3.97%-709 bps
Loan Growth (YoY)-2.65%-0.59%1.71%2.48%-1.22%+144 bps
Share Growth (YoY)13.36%13.65%9.90%6.60%3.36%-1,001 bps
Asset Quality
Delinquent Loans / Loans1.65%1.81%2.50%1.75%1.07%-58 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital23.19%23.06%23.33%23.03%23.61%+42 bps
Net Worth / Assets23.19%23.06%23.33%23.03%23.61%+42 bps
Liquidity & Funding
Loans / Shares79.57%77.92%77.62%74.24%76.04%-352 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps