BlastPoint's Credit Union Scorecard
SOUTH BEND TRANSIT
Charter #4487 · IN
2596 CUs in <100M nationally
82 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 0.97% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.48% below tier average
- - Efficiency ratio 31.93% above tier (higher cost structure)
- - Delinquency rate 0.29% above tier average
- - AMR Growth Rate: Bottom 3.6% in tier
- - Share Certificate Concentration (%): Bottom 4.3% in tier
- - Deposit Growth Rate: Bottom 4.9% in tier
- - Asset Growth Rate: Bottom 5.4% in tier
- - Members Per Employee (MPE): Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
371
+1.4% YoY+2.2% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 10.2% in tier |
| Assets |
$3.1M
-10.1% YoY-1.9% QoQ
|
$-26.8M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.1% in tier |
| Loans |
$1.8M
-15.7% YoY-2.5% QoQ
|
$-13.9M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$2.2M
-12.4% YoY-1.8% QoQ
|
$-23.3M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.4% in tier |
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Tier 1
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| ROA |
-0.8%
+198.5% YoY+187.6% QoQ
|
-1.5% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.5% in tier |
| NIM |
4.9%
+18.1% YoY+6.2% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
84% |
| Efficiency Ratio |
113.3%
+0.9% YoY+2.0% QoQ
|
+31.9% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Top 5.5% in tier |
| Delinquency Rate |
1.8%
-64.6% YoY-41.9% QoQ
|
+0.3 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
77% |
| Loan To Share |
84.2%
-3.8% YoY-0.7% QoQ
|
+22.9% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$10,773
-15.1% YoY-4.3% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
33% |
| CD Concentration |
47.9%
-2.2% YoY+0.6% QoQ
|
+23.5% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
174
Net Worth Ratio
risk
Value:
29.03%
Peer Avg: -
#174 of 2596
Top 6.7% in <100M tier
423
Net Interest Margin (NIM)
profitability
Value:
4.91%
Peer Avg: -
#423 of 2596
Top 16.3% in <100M tier
456
Loan-to-Share Ratio
balance_sheet
Value:
84.18%
Peer Avg: -
#456 of 2596
Top 17.5% in <100M tier
539
Member Growth Rate
growth
Value:
1.37%
Peer Avg: -
#539 of 2596
Top 20.7% in <100M tier
Top Weaknesses (14 metrics)
2504
AMR Growth Rate
growth
Value:
-15.14%
Peer Avg: -
#2504 of 2596
Bottom 3.6% in <100M tier
2486
Share Certificate Concentration (%)
balance_sheet
Value:
47.89%
Peer Avg: -
#2486 of 2596
Bottom 4.3% in <100M tier
2470
Deposit Growth Rate
growth
Value:
-12.44%
Peer Avg: -
#2470 of 2596
Bottom 4.9% in <100M tier
2458
Asset Growth Rate
growth
Value:
-10.07%
Peer Avg: -
#2458 of 2596
Bottom 5.4% in <100M tier
2455
Efficiency Ratio
profitability
Value:
113.33%
Peer Avg: -
#2455 of 2596
Bottom 5.5% in <100M tier
2427
Return on Assets (ROA)
profitability
Value:
-0.80%
Peer Avg: -
#2427 of 2596
Bottom 6.5% in <100M tier
2397
Members Per Employee (MPE)
engagement
Value:
123.667
Peer Avg: -
#2397 of 2596
Bottom 7.7% in <100M tier
2329
Total Members
engagement
Value:
371
Peer Avg: -
#2329 of 2596
Bottom 10.3% in <100M tier
2321
Loan Growth Rate
growth
Value:
-15.74%
Peer Avg: -
#2321 of 2596
Bottom 10.6% in <100M tier
2314
Net Charge-Off Rate
risk
Value:
1.24%
Peer Avg: -
#2314 of 2596
Bottom 10.9% in <100M tier