BlastPoint's Credit Union Scorecard
SOUTH BEND TRANSIT
Charter #4487 · IN
<100M
2508 CUs in <100M nationally
80 in IN
SOUTH BEND TRANSIT has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.03% above tier average
- + Net Charge-Off Rate: Top 2.0% in tier
- + Net Worth Ratio: Top 5.0% in tier
- + Loan-to-Share Ratio: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.85% below tier average
- - Efficiency ratio 29.38% above tier (higher cost structure)
- - Delinquency rate 1.59% above tier average
- - Deposit Growth Rate: Bottom 1.1% in tier
- - Asset Growth Rate: Bottom 1.3% in tier
- - AMR Growth Rate: Bottom 2.3% in tier
- - Share Certificate Concentration (%): Bottom 5.6% in tier
- - Total Members: Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
362
-0.5% YoY-0.5% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Bottom 9.6% in tier |
| Assets |
$2.7M
-18.1% YoY-5.5% QoQ
|
$-27.5M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.8% in tier |
| Loans |
$1.8M
-12.8% YoY-0.7% QoQ
|
$-13.5M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$1.9M
-22.4% YoY-7.8% QoQ
|
$-23.9M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.0% in tier |
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| ROA |
-0.7%
-162.7% YoY-54.5% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.9% in tier |
| NIM |
6.0%
+40.6% YoY+18.1% QoQ
|
+2.0% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Top 3.8% in tier |
| Efficiency Ratio |
120.0%
+7.1% YoY+4.6% QoQ
|
+29.4% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.1% in tier |
| Delinquency Rate |
3.1%
+222.3% YoY-52.9% QoQ
|
+1.6 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.9% in tier |
| Loan To Share |
94.5%
+12.4% YoY+7.7% QoQ
|
+36.0% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
Top 5.3% in tier |
| AMR |
$9,963
-17.5% YoY-3.9% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration |
44.2%
-18.0% YoY-11.6% QoQ
|
+19.9% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
50
Net Charge-Off Rate
risk
Value:
-0.88%
Peer Median: 0.07%
#50 of 2508
Top 2.0% in <100M tier
96
Net Interest Margin (NIM)
profitability
Value:
6.04%
Peer Median: 3.83%
#96 of 2508
Top 3.8% in <100M tier
127
Net Worth Ratio
risk
Value:
31.58%
Peer Median: 14.28%
#127 of 2508
Top 5.0% in <100M tier
130
Loan-to-Share Ratio
balance_sheet
Value:
94.52%
Peer Median: 58.72%
#130 of 2508
Top 5.1% in <100M tier
Top Weaknesses (13 metrics)
2482
Deposit Growth Rate
growth
Value:
-22.37%
Peer Median: 0.66%
#2482 of 2508
Bottom 1.1% in <100M tier
2476
Asset Growth Rate
growth
Value:
-18.05%
Peer Median: 1.30%
#2476 of 2508
Bottom 1.3% in <100M tier
2452
AMR Growth Rate
growth
Value:
-17.52%
Peer Median: 1.27%
#2452 of 2508
Bottom 2.3% in <100M tier
2369
Share Certificate Concentration (%)
balance_sheet
Value:
44.19%
Peer Median: 12.45%
#2369 of 2508
Bottom 5.6% in <100M tier
2357
Efficiency Ratio
profitability
Value:
120.01%
Peer Median: 81.45%
#2357 of 2508
Bottom 6.1% in <100M tier
2267
Total Members
engagement
Value:
362
Peer Median: 1,918
#2267 of 2508
Bottom 9.6% in <100M tier
2235
Total Delinquency Rate (60+ days)
risk
Value:
3.09%
Peer Median: 0.65%
#2235 of 2508
Bottom 10.9% in <100M tier
2234
Return on Assets (ROA)
profitability
Value:
-0.70%
Peer Median: 0.61%
#2234 of 2508
Bottom 11.0% in <100M tier
2233
Total Deposits
balance_sheet
Value:
$1.85M
Peer Median: $18.77M
#2233 of 2508
Bottom 11.0% in <100M tier
2213
Total Assets
balance_sheet
Value:
$2.71M
Peer Median: $21.86M
#2213 of 2508
Bottom 11.8% in <100M tier