SOUTH BEND TRANSIT
Charter #4487 · South Bend, IN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 362 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 31.58% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.68% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 5.87% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.79% sits at the 84th percentile of structural peers — worth a closer look.
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 TRANSIT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.71M | 37th pct | 44th pct |
| Members | 362 | 31th pct | 25th pct |
| Net worth ratio | 31.58% | 87th pct | 75th pct |
| Return on average assets | -0.68% | 20th pct | 23th pct |
| Net interest margin | 5.87% | 89th pct | 82th pct |
| Cost of funds | 1.79% | 85th pct | 84th pct |
| Loan-to-share | 94.52% | 91th pct | 69th pct |
| Delinquency 60+ days | 3.09% | 78th pct | 77th pct |
| Net charge-off ratio | -0.88% | 5th pct | 2th pct |
| Loan growth YoY | -4.07% | 56th pct | 61th pct |
| Share growth YoY | -14.56% | 3th pct | 5th pct |
| Efficiency ratio | 120.01% | 87th pct | 98th pct |
structural peer set hash: 69b0fe4906ead21a519dcaffd451f097… (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.