Federal credit union · SOUTH BEND, Indiana · NCUA charter #13279
South Bend Firefighters
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $63.3M
- Total assets
- 3,312
- Members
- 23.0%
- Net-worth ratio
South Bend Firefighters scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $63.3M; members 3,312; net-worth ratio 23.03%; health rank #2,928 of 4,374; healthier than 31st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,928 of 4,374 health · 2025Q4South Bend Firefighters · health 78/100 · $63.3M · 2025Q4
- NCUSIF 78/100
- CAMELS 23.0%
- HEALTH 2.50%
- NW 0.98%
- DELQ $63.3M
- ROA 3,312
- ASSETS #2,928/4,374
- MEM Wvu Employees
- RANK 13279
Call Report peers
South Bend Firefighters in the assets neighbourhood
South Bend Firefighters's $63.3M assets sit next to Wvu Employees ($63.3M) 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.
South Bend Firefighters 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
78 31st percentile higher than 31% 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
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 vs $50M–$100M peers
- Largest favorable gap: Loan-to-Share Ratio at 77.62% vs peer 62.60% (+15.02 pp).
- Largest lag: Delinquency Rate at 2.50% vs peer 0.96% (+1.54 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
South Bend Firefighters: in-state Call Report ranks
- Health composite ranks #79 of 124 among scored Indiana credit unions.
- By total assets, South Bend Firefighters is #59 of 124 in Indiana.
- Member book place in Indiana: #75 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.
South Bend Firefighters Call Report trajectory
South Bend Firefighters: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $63.3M (2025Q4) to $65.0M (2026Q1).
- Net-worth ratio shifted -0.30 pp (23.33% → 23.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 23.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.3 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for South Bend Firefighters
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.03% | +9.41 pp |
| Delinquency Rate | 2.50% | +1.54 pp |
| Return on Assets | 0.98% | +0.32 pp |
| Member Growth | 0.12% | - |
| Loan-to-Share Ratio | 77.62% | +15.02 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $65.0M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, South Bend Firefighters runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| SOUTH BEND FIREFIGHTERS FCU (Main Office) | SOUTH BEND, IN |
| ICUL SERVICES CORP RECORDS STORAGE CENTER | INDIANAPOLIS, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
South Bend Firefighters's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($63.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- South Bend Firefighters ranks #2,928 of 4,374 nationally on financial health and #79 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Perfect Circle is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Perfect Circle
- 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 South Bend Firefighters financially healthy?
A 23.03% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,928 of 4,374; by total assets it ranks #2,215 of 4,374 nationally (same basis as /rankings/largest); and #59 of 124 within Indiana. 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 23.03% 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.
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.