Federal credit union · South Bend, Indiana · NCUA charter #4487
South Bend Transit
Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $2.9M
- Total assets
- 364
- Members
- 31.6%
- Net-worth ratio
South Bend Transit scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.9M; members 364; net-worth ratio 31.58%; health rank #4,216 of 4,374; healthier than 3rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,216 of 4,374 health · 2025Q4South Bend Transit · health 53/100 · $2.9M · 2025Q4
- MEM 53/100
- RANK 31.6%
- PHOTO 6.56%
- BOOK -0.57%
- CHARTER $2.9M
- NCUSIF 364
- CAMELS #4,216/4,374
- HEALTH n/a
- NW 4487
Call Report peers
South Bend Transit carries $2.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
South Bend Transit 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
53 3rd percentile higher than 3% 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 Transit - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #4487 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
South Bend Transit vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +24.19 pp (87.79% vs 63.60%).
- Widest shortfall vs peers is Delinquency Rate: +4.75 pp (6.56% vs 1.81%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
South Bend Transit in Indiana
- Health composite ranks #122 of 124 among scored Indiana credit unions.
- Assets rank #112 of 124 inside Indiana ($2.9M reported).
- Member book place in Indiana: #113 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.
How South Bend Transit's 5300 filing moved
South Bend Transit: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -5.5% from $2.9M (2025Q4) to $2.7M (2026Q1).
- Net-worth ratio shifted +1.57 pp (30.01% → 31.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 31.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 53/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 53.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 15.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 31.58% | +12.52 pp |
| Delinquency Rate | 6.56% | +4.75 pp |
| Return on Assets | -0.57% | -1.02 pp |
| Member Growth | -0.82% | - |
| Loan-to-Share Ratio | 87.79% | +24.19 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.7M | - |
| 2025Q4 | $2.9M | 364 |
| 2024Q4 | $3.4M | 367 |
| 2023Q4 | $3.8M | 373 |
Credit Union Details
- Charter Number
- 4487
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Indiana
- City
- South Bend
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for South Bend Transit.
| Office | City |
|---|---|
| Emil "Lucky" Reznik Administration, Maintenance and Operations Facility (Main Office) | South Bend, IN |
| Policemans FCU | South Bend, 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.
South Bend Transit nationwide neighbourhoods
Cross-state asset and health neighbours for South Bend Transit - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (53/100 here).
Using this data
- South Bend Transit ranks #4,216 of 4,374 nationally on financial health and #122 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hobart Ind School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hobart Ind School Employees
- 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 Transit financially healthy?
A 31.58% net worth ratio and a 6.56% delinquency rate feed into South Bend Transit's financial health score of 53/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,216 of 4,374; by total assets it ranks #4,060 of 4,374 nationally (same basis as /rankings/largest); and #112 of 124 within Indiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does South Bend Transit compare to other credit unions?
On PlainCU's health composite, South Bend Transit lands at 53/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Transit?
South Bend Transit 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 South Bend Transit directly for the exact boundaries and application steps.
Is my money safe at South Bend Transit?
Federal credit unions like South Bend Transit 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 Transit's net worth ratio of 31.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does South Bend Transit offer compared to banks?
Credit unions like South Bend Transit 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 Transit 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.