Side-by-side · Q2 2026 data
South Bend Transit Federal Credit Union vs Tlcu Financial Credit Union
Credit union
South Bend Transit Federal Credit Union
South Bend, Indiana · Under $100 million in assets
Metric by metric
| Measure | South Bend Transit Federal Credit Union | Tlcu Financial Credit Union |
|---|---|---|
| TellerScore | 48 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 85 (stronger) |
| Earnings | 0 | 66 (stronger) |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 72 | 98 (stronger) |
| Peer percentile | 7th | 87th |
| Total assets | $2.9M | $59.4M |
| Deposits / shares | $2.0M | $49.5M |
| Capital ratio | 29.00% (stronger) | 16.01% |
| Problem loans | 6.84% | 0.45% (stronger) |
| Net charge-offs | 1.48% | 0.02% (stronger) |
| Return on assets | -2.29% | 1.15% (stronger) |
| Loans ÷ deposits | 86.1% | 39.1% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.5% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tlcu Financial Credit Union has the higher TellerScore (89 vs 48). On the 7 directional measures above (where higher or lower is clearly better), South Bend Transit Federal Credit Union leads on 2 and Tlcu Financial Credit Union on 5. 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.