South Bend Transit Federal Credit Union

South Bend, IN

Rating Date

December 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	South Bend Transit Federal Credit Union South Bend, IN	Click to Compare	Click to Compare	Click to Compare
Rating	D
Asset Quality Index	7.50
Capitalization Index	10.00
Liquidity Index	4.70
Profitability Index	0.30
Stability Index	5.60

Company Info	South Bend Transit Federal Credit Union South Bend, IN	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	1188
Phone Number	(574) 232-2192
Website	www.sbtransitfcu.net

Asset Quality	South Bend Transit Federal Credit Union South Bend, IN	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-10.06%
5-Year Asset Growth	-0.88%
5-Year Charge-Offs to Average Loans	0.53%
Charge-Offs to Average Loans	1.31%
Non-Performing Assets to Assets	1.08%
Non-Performing Loans to Capital	3.68%
Non-Performing Loans to Loans	1.81%

Balance Sheet	South Bend Transit Federal Credit Union South Bend, IN	Click to Compare	Click to Compare	Click to Compare
Total Assets	3.06M
Total Deposits	2.17M

Capital and Reserves	South Bend Transit Federal Credit Union South Bend, IN	Click to Compare	Click to Compare	Click to Compare
Capital	888.00K
Leverage Ratio	29.04
Loan Loss Reserves to Loans	0.44%

Liquidity	South Bend Transit Federal Credit Union South Bend, IN	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	21.52%
Liquidity Ratio	43.46%

Profitability	South Bend Transit Federal Credit Union South Bend, IN	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	-0.30%
Net Income	-18.00K
Net Interest Spread	4.91%
Operating Profit to Average Assets	-0.74%
Overhead Efficiency Ratio	113.04%
Return on Assets	-0.74%
Return on Equity	-2.65%