South Bend Transit
South Bend, IN · Charter 4487 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$2.9MAssets
$1.7MLoans
$2.0MShares
$828KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 96% of credit unions under $1B in assets (rank 63 of 1683).
- Widest gap: nonperforming loans / loans trails 98% of credit unions under $1B in assets (rank 1654 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-2.31%
Rank 1,652 of 1,683
Net Interest Margin
5.53%
Rank 63 of 1,683
Efficiency Ratio
120.21%
Rank 1,640 of 1,682
Equity / Assets
29.00%
Rank 62 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.31% | 0.35% | 0.74% | 1.18% | Beats 2% | 1,652 / 1,683 | |
| Return on Equity | -7.97% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,610 / 1,681 | |
| Net Interest Margin | 5.53% | 3.31% | 3.82% | 4.32% | Beats 96% | 63 / 1,683 | |
| Efficiency Ratio | 120.21% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,640 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.82% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,654 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 29.00% | 10.44% | 12.89% | 16.53% | Beats 96% | 62 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 29.00% | 10.44% | 12.89% | 16.53% | Beats 96% | 62 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 86.12% | 52.61% | 69.38% | 83.50% | 80th pctl | 342 / 1,683 | |
| Loans / Assets | 61.09% | 44.71% | 59.18% | 70.72% | 54th pctl | 768 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |