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
Call Report peers
COMMUNITYWIDE in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); COMMUNITYWIDE sits in 65-69 with 275 others.
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 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%).
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.
- One place up in Indiana, H a L E (#104) scores 67/100, 1 point higher; one place down, Perfect Circle (#106) ties at 66/100.
COMMUNITYWIDE: 2025Q4 → 2026Q1
COMMUNITYWIDE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $869.0M (2025Q4) to $876.3M (2026Q1).
- Net-worth ratio shifted -0.01 pp (13.22% → 13.21%).
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
COMMUNITYWIDE gives up 34 points in total. Delinquency Rate costs the most, 19.9 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is COMMUNITYWIDE financially healthy?
COMMUNITYWIDE has a financial health score of 66/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,817 of 4,374 nationally on health and #105 of 124 in Indiana. Its net worth ratio is 13.21% and its delinquency rate 3.18%.
How does COMMUNITYWIDE compare to other credit unions?
COMMUNITYWIDE scores 66/100, higher than 12% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.21% vs 11.18%). Its widest shortfall is loan-to-share ratio (81.53% vs 83.90%).
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?
COMMUNITYWIDE is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.