SOUTH BEND FIREFIGHTERS
Charter #13279 · SOUTH BEND, IN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 23.03% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.87% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 2.05% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.75% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.01% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SOUTH BEND FIREFIGHTERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $65.01M | 37th pct | 51th pct |
| Members | 3,312 | 15th pct | 41th pct |
| Net worth ratio | 23.03% | 97th pct | 90th pct |
| Return on average assets | 1.21% | 75th pct | 64th pct |
| Net interest margin | 2.87% | 12th pct | 8th pct |
| Cost of funds | 2.05% | 93th pct | 92th pct |
| Loan-to-share | 74.24% | 75th pct | 57th pct |
| Delinquency 60+ days | 1.75% | 90th pct | 93th pct |
| Net charge-off ratio | -0.01% | 12th pct | 18th pct |
| Loan growth YoY | -1.73% | 48th pct | 39th pct |
| Share growth YoY | 3.13% | 53th pct | 46th pct |
| Efficiency ratio | 66.83% | 20th pct | 31th pct |
structural peer set hash: 531cb313af703b5ab7a31797f9ea84ca… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.