South Bend Firefighters

SOUTH BEND, IN · 1 · Charter #13279 · www.sbfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$63.3M
15th percentile
Members
3,312
7th percentile
Total loans
$37.6M
24th percentile
Total shares
$48.4M
9th percentile

Profitability

Return on assets
1.13%
57th percentile
Net interest margin
2.70%
10th percentile
Efficiency ratio
45.46%
90th percentile
Non-interest income ratio
15.19%
39th percentile

Capital & Risk

Net worth ratio
23.33%
98th percentile
Delinquency rate
2.50%
6th percentile
Net charge-off rate
0.02%
95th percentile
Loan-to-share
77.62%
66th percentile

Growth

Member growth YoY
0.12%
60th percentile
Asset growth YoY
8.75%
84th percentile
Loan growth YoY
1.71%
52th percentile
Share growth YoY
9.90%
87th percentile

Operations

Members / branch
828
1th percentile
Assets / member
$19,126
81th percentile
Field of membership penetration
82.80%
98th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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