Side-by-side · Q2 2026 data
1st Source Bank vs South Bend Transit Federal Credit Union
Credit union
South Bend Transit Federal Credit Union
South Bend, Indiana · Under $100 million in assets
Metric by metric
| Measure | 1st Source Bank | South Bend Transit Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 48 |
| Capital cushion | 87 | 100 (stronger) |
| Loan quality | 67 (stronger) | 0 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 22 | 74 (stronger) |
| Problem-loan coverage | 90 (stronger) | 72 |
| Peer percentile | 77th | 7th |
| Total assets | $9.3B | $2.9M |
| Deposits / shares | $7.4B | $2.0M |
| Capital ratio | 13.72% | 29.00% (stronger) |
| Problem loans | 0.99% (stronger) | 6.84% |
| Net charge-offs | 0.13% (stronger) | 1.48% |
| Return on assets | 1.99% (stronger) | -2.29% |
| Loans ÷ deposits | 95.0% | 86.1% (stronger) |
| Uninsured deposits | 53.8% | 0.0% (stronger) |
| Offices | 76 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.3% | — |
1st Source Bank has the higher TellerScore (75 vs 48). On the 7 directional measures above (where higher or lower is clearly better), 1st Source Bank leads on 4 and South Bend Transit Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.