South Bend Transit

South Bend, IN · 1 · Charter #4487 · www.sbtransitfcu.net
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.9M
16th percentile
Members
364
13th percentile
Total loans
$1.8M
21th percentile
Total shares
$2.0M
15th percentile

Profitability

Return on assets
-1.61%
4th percentile
Net interest margin
5.28%
88th percentile
Efficiency ratio
89.61%
12th percentile
Non-interest income ratio
13.19%
63th percentile

Capital & Risk

Net worth ratio
30.01%
92th percentile
Delinquency rate
6.56%
4th percentile
Net charge-off rate
1.83%
7th percentile
Loan-to-share
87.79%
86th percentile

Growth

Member growth YoY
-0.82%
56th percentile
Asset growth YoY
-16.58%
1th percentile
Loan growth YoY
-12.90%
16th percentile
Share growth YoY
-20.40%
1th percentile

Operations

Members / branch
182
7th percentile
Assets / member
$7,879
37th percentile
Field of membership penetration
7.40%
21th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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