Federal credit union · SOUTH BEND, Indiana · NCUA charter #13279
South Bend Firefighters
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $63.3M
- Total assets
- 3,312
- Members
- 22.8%
- Net-worth ratio
South Bend Firefighters - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13279. See our deposit-insurance coverage note.
South Bend Firefighters - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)37
- Earnings (ROA)100
- Member growth61
- Liquidity (loan-to-share)100
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 22.76% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 22.76% | 30% |
| Delinquency Rate | 2.50% | 25% |
| Return on Assets | 0.98% | 15% |
| Member Growth | 0.12% | 15% |
| Loan-to-Share Ratio | 77.62% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $63.3M | 3,312 |
| 2024Q4 | $58.2M | 3,308 |
| 2023Q4 | $54.9M | 3,377 |
Credit Union Details
- Charter Number
- 13279
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Indiana
- City
- SOUTH BEND
- Data Quarter
- 2025Q4
What This Data Says About South Bend Firefighters
3,312 members and $63.3M in total assets sit behind South Bend Firefighters, a federal credit union in SOUTH BEND, Indiana, which posts a health score of 78/100 (Very Good) on the five-factor composite, with $37.6M in outstanding loans as of Q4 2025 and a net worth ratio of 22.76% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #13279 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Two more numbers round out the picture: a 2.50% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers - and a 77.62% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.98% on net income of $618K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.12%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is South Bend Firefighters financially healthy?
A 22.76% net worth ratio and a 2.50% delinquency rate feed into South Bend Firefighters's financial health score of 78/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does South Bend Firefighters compare to other credit unions?
South Bend Firefighters scores 78/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 South Bend Firefighters?
South Bend Firefighters serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact South Bend Firefighters directly for the current list of qualifying groups.
Is my money safe at South Bend Firefighters?
Federal credit unions like South Bend Firefighters 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. South Bend Firefighters's net worth ratio of 22.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does South Bend Firefighters offer compared to banks?
Credit unions like South Bend Firefighters 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 South Bend Firefighters directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.