Federal credit union · South Bend, Indiana · NCUA charter #18336
COMMUNITYWIDE
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $869.0M
- Total assets
- 68,889
- Members
- 13.2%
- Net-worth ratio
COMMUNITYWIDE scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $869.0M; members 68,889; net-worth ratio 13.21%; health rank #3,817 of 4,374; healthier than 12th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,817 of 4,374 health · 2025Q4COMMUNITYWIDE · health 66/100 · $869.0M · 2025Q4
- ROA 66/100
- ASSETS 13.2%
- MEM 3.18%
- RANK 0.23%
- PHOTO $869.0M
- BOOK 68,889
- CHARTER #3,817/4,374
- NCUSIF All One
- CAMELS 18336
Call Report peers
COMMUNITYWIDE in the assets neighbourhood
COMMUNITYWIDE's $869.0M assets sit next to All One ($869.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
COMMUNITYWIDE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
COMMUNITYWIDE - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #18336 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
COMMUNITYWIDE vs Over $500M peers
- Net Worth Ratio leads the peer set - 13.21% here, 11.18% peer average (+2.03 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -2.37 pp (81.53% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
COMMUNITYWIDE in Indiana
- In Indiana, health place is #105 of 124 on the same NCUA-ratio sort used nationally.
- By total assets, COMMUNITYWIDE is #18 of 124 in Indiana.
- Member book place in Indiana: #11 of 124.
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
COMMUNITYWIDE: 2025Q4 → 2026Q1
COMMUNITYWIDE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $869.0M (2025Q4) to $876.3M (2026Q1).
- Net-worth ratio shifted -0.01 pp (13.22% → 13.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.21% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 66/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 5.1 pts
- Return on Assets 11.0 pts
- Member Growth 4.8 pts
- Loan-to-Share Ratio 15.1 pts
COMMUNITYWIDE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.21% | +2.03 pp |
| Delinquency Rate | 3.18% | +2.31 pp |
| Return on Assets | 0.23% | -0.27 pp |
| Member Growth | -2.31% | - |
| Loan-to-Share Ratio | 81.53% | -2.37 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
COMMUNITYWIDE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $876.3M | - |
| 2025Q4 | $869.0M | 68,889 |
| 2024Q4 | $837.2M | 70,517 |
| 2023Q4 | $794.5M | 69,968 |
Credit Union Details
- Charter Number
- 18336
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Indiana
- City
- South Bend
- Data Quarter
- 2025Q4
Branch Locations (11)
Per its most recent NCUA branch filing, COMMUNITYWIDE runs 11 offices in 7 different cities.
| Office | City |
|---|---|
| Main (Main Office) | South Bend, IN |
| Cass | Elkhart, IN |
| Goshen | Goshen, IN |
| Fir | Granger, IN |
| Hickory | Mishawaka, IN |
| LWE | Mishawaka, IN |
| Jefferson | Plymouth, IN |
| Ireland | South Bend, IN |
| North | South Bend, IN |
| LW/SB | South Bend, IN |
| Warsaw | Warsaw, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Cross-state Call Report peers for COMMUNITYWIDE
COMMUNITYWIDE's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($869.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
Using this data
- COMMUNITYWIDE ranks #3,817 of 4,374 nationally on financial health and #105 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hoosier Hills is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hoosier Hills
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is COMMUNITYWIDE financially healthy?
COMMUNITYWIDE has a financial health score of 66/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,817 of 4,374; by total assets it ranks #523 of 4,374 nationally (same basis as /rankings/largest); and #18 of 124 within Indiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.21% and delinquency rate of 3.18%.
How does COMMUNITYWIDE compare to other credit unions?
COMMUNITYWIDE scores 66/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join COMMUNITYWIDE?
COMMUNITYWIDE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact COMMUNITYWIDE directly for the exact boundaries and application steps.
Is my money safe at COMMUNITYWIDE?
Federal credit unions like COMMUNITYWIDE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. COMMUNITYWIDE's net worth ratio of 13.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does COMMUNITYWIDE offer compared to banks?
Credit unions like COMMUNITYWIDE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact COMMUNITYWIDE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.