Communitywide
South Bend, IN · Charter 18336 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 11 branches
Q2 2026
$873.9MAssets
$617.1MLoans
$752.5MShares
$115.0MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of credit unions under $1B in assets (rank 50 of 1682).
- Widest gap: nonperforming loans / loans trails 89% of credit unions under $1B in assets (rank 1504 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.65%
Rank 945 of 1,683
Net Interest Margin
4.12%
Rank 583 of 1,683
Efficiency Ratio
47.29%
Rank 50 of 1,682
Equity / Assets
13.16%
Rank 794 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.35% | 0.74% | 1.18% | Beats 44% | 945 / 1,683 | |
| Return on Equity | 4.96% | 2.67% | 5.89% | 8.74% | Beats 43% | 962 / 1,681 | |
| Net Interest Margin | 4.12% | 3.31% | 3.82% | 4.32% | Beats 65% | 583 / 1,683 | |
| Efficiency Ratio | 47.29% | 68.91% | 78.20% | 86.93% | Beats 97% | 50 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.45% | 0.26% | 0.65% | 1.29% | Beats 11% | 1,504 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.16% | 10.44% | 12.89% | 16.53% | Beats 53% | 794 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.16% | 10.44% | 12.89% | 16.53% | Beats 53% | 794 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 82.00% | 52.61% | 69.38% | 83.50% | 73rd pctl | 454 / 1,683 | |
| Loans / Assets | 70.61% | 44.71% | 59.18% | 70.72% | 75th pctl | 426 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |