COMMUNITYWIDE
Charter #18336 · South Bend, IN · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 68,337 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 3.17% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.55% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.45% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 47.98% ranks in the 0th 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 | COMMUNITYWIDE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $876.28M | 82th pct | 90th pct |
| Members | 68,337 | 95th pct | 92th pct |
| Net worth ratio | 13.21% | 83th pct | 66th pct |
| Return on average assets | 0.39% | 27th pct | 31th pct |
| Net interest margin | 4.09% | 87th pct | 57th pct |
| Cost of funds | 3.17% | 99th pct | 98th pct |
| Loan-to-share | 79.82% | 46th pct | 61th pct |
| Delinquency 60+ days | 2.55% | 99th pct | 98th pct |
| Net charge-off ratio | 2.45% | 99th pct | 95th pct |
| Loan growth YoY | -4.74% | 4th pct | 7th pct |
| Share growth YoY | 1.96% | 21th pct | 20th pct |
| Efficiency ratio | 47.98% | 1th pct | 0th pct |
structural peer set hash: c593e5ca3120c2d2512fe3f5848f7138… (reproducible)
Closest structural peers
This is the free public view
Claim COMMUNITYWIDE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.