BlastPoint's Credit Union Scorecard
SOUTH BEND TRANSIT
Charter #4487 · IN
2556 CUs in <100M nationally
82 in IN
SOUTH BEND TRANSIT has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.16% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.16% below tier average
- - Efficiency ratio 32.13% above tier (higher cost structure)
- - Delinquency rate 5.00% above tier average
- - Deposit Growth Rate: Bottom 1.6% in tier
- - Asset Growth Rate: Bottom 1.6% in tier
- - AMR Growth Rate: Bottom 2.8% in tier
- - Share Certificate Concentration (%): Bottom 3.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.0% in tier
- - Net Charge-Off Rate: Bottom 6.7% in tier
- - Total Members: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
364
-0.8% YoY-1.9% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Bottom 9.8% in tier |
| Assets |
$2.9M
-16.6% YoY-6.2% QoQ
|
$-27.3M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.3% in tier |
| Loans |
$1.8M
-12.9% YoY-3.4% QoQ
|
$-14.0M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$2.0M
-20.4% YoY-7.4% QoQ
|
$-23.7M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.4% in tier |
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| ROA |
-1.5%
+223.0% YoY+92.7% QoQ
|
-2.2% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.1% in tier |
| NIM |
5.1%
+18.7% YoY+4.2% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Top 12.1% in tier |
| Efficiency Ratio |
114.7%
+3.1% YoY+1.2% QoQ
|
+32.1% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Top 5.0% in tier |
| Delinquency Rate |
6.6%
+1.3% YoY+264.4% QoQ
|
+5.0 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 4.0% in tier |
| Loan To Share |
87.8%
+9.4% YoY+4.3% QoQ
|
+27.2% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 12.4% in tier |
| AMR |
$10,370
-16.4% YoY-3.7% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
50.0%
-9.3% YoY+4.4% QoQ
|
+25.6% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
155
Net Worth Ratio
risk
Value:
30.01%
Peer Median: -
#155 of 2556
Top 6.0% in <100M tier
309
Net Interest Margin (NIM)
profitability
Value:
5.11%
Peer Median: -
#309 of 2556
Top 12.1% in <100M tier
315
Loan-to-Share Ratio
balance_sheet
Value:
87.79%
Peer Median: -
#315 of 2556
Top 12.3% in <100M tier
Top Weaknesses (14 metrics)
2516
Deposit Growth Rate
growth
Value:
-20.40%
Peer Median: -
#2516 of 2556
Bottom 1.6% in <100M tier
2515
Asset Growth Rate
growth
Value:
-16.58%
Peer Median: -
#2515 of 2556
Bottom 1.6% in <100M tier
2485
AMR Growth Rate
growth
Value:
-16.38%
Peer Median: -
#2485 of 2556
Bottom 2.8% in <100M tier
2466
Share Certificate Concentration (%)
balance_sheet
Value:
49.98%
Peer Median: -
#2466 of 2556
Bottom 3.6% in <100M tier
2454
Total Delinquency Rate (60+ days)
risk
Value:
6.56%
Peer Median: -
#2454 of 2556
Bottom 4.0% in <100M tier
2452
Return on Assets (ROA)
profitability
Value:
-1.54%
Peer Median: -
#2452 of 2556
Bottom 4.1% in <100M tier
2430
Efficiency Ratio
profitability
Value:
114.69%
Peer Median: -
#2430 of 2556
Bottom 5.0% in <100M tier
2387
Net Charge-Off Rate
risk
Value:
1.83%
Peer Median: -
#2387 of 2556
Bottom 6.7% in <100M tier
2305
Total Members
engagement
Value:
364
Peer Median: -
#2305 of 2556
Bottom 9.9% in <100M tier
2265
Total Deposits
balance_sheet
Value:
$2.01M
Peer Median: -
#2265 of 2556
Bottom 11.4% in <100M tier