Headquartered in South Bend, Indiana, South Bend Transit Federal Credit Union is a federal credit union with $2.9M in total assets and $2.0M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1941.
South Bend Transit Federal Credit Union has a TellerScore of 48 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 118th. Capital cushion contributes the most (100/100, 29.00%); earnings contributes the least (0/100, -2.29%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (52 → 48), mostly because the problem-loan coverage component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 50 |
| Q4 2024 | 49 |
| Q1 2025 | 81 |
| Q2 2025 | 52 |
| Q3 2025 | 61 |
| Q4 2025 | 48 |
| Q1 2026 | 49 |
| Q2 2026 | 48 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 26.56% |
| Q3 2024 | 26.92% |
| Q4 2024 | 26.36% |
| Q1 2025 | 27.68% |
| Q2 2025 | 28.94% |
| Q3 2025 | 29.03% |
| Q4 2025 | 30.01% |
| Q1 2026 | 31.58% |
| Q2 2026 | 29.00% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 3.55% |
| Q3 2024 | 5.08% |
| Q4 2024 | 6.48% |
| Q1 2025 | 0.96% |
| Q2 2025 | 3.10% |
| Q3 2025 | 1.80% |
| Q4 2025 | 6.56% |
| Q1 2026 | 3.09% |
| Q2 2026 | 6.84% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.17% |
| Q3 2024 | -0.27% |
| Q4 2024 | -0.47% |
| Q1 2025 | 1.14% |
| Q2 2025 | -0.29% |
| Q3 2025 | -0.81% |
| Q4 2025 | -1.59% |
| Q1 2026 | -0.70% |
| Q2 2026 | -2.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 48 | $2.9M | 29.00% | 6.84% | -2.29% | 86.1% |
| Q1 2026 | 49 | $2.7M | 31.58% | 3.09% | -0.70% | 94.5% |
| Q4 2025 | 48 | $2.9M | 30.01% | 6.56% | -1.59% | 87.8% |
| Q3 2025 | 61 | $3.1M | 29.03% | 1.80% | -0.81% | 84.2% |
| Q2 2025 | 52 | $3.1M | 28.94% | 3.10% | -0.29% | 84.8% |
| Q1 2025 | 81 | $3.3M | 27.68% | 0.96% | 1.14% | 84.1% |
| Q4 2024 | 49 | $3.4M | 26.36% | 6.48% | -0.47% | 80.2% |
| Q3 2024 | 50 | $3.4M | 26.92% | 5.08% | -0.27% | 87.5% |
| Q2 2024 | 52 | $3.5M | 26.56% | 3.55% | -0.17% | 87.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Great Horizons Federal Credit UnionCredit union Munster, IN | 66 out of 100, Moderate | $3.6M | 24.5% | 4.00% | vs |
| Fo Me Bo Co Federal Credit UnionCredit union Wabash, IN | 98 out of 100, Very strong | $3.8M | 17.3% | 0.00% | vs |
| Urban Beginnings Choice Federal Credit UnionCredit union Fort Wayne, IN | 56 out of 100, Moderate | $1.8M | 9.8% | 3.89% | vs |
| T H P Federal Credit UnionCredit union Terre Haute, IN | 74 out of 100, Strong | $4.0M | 24.0% | 0.12% | vs |
| Public Service Edwardspt Pl E Federal Credit UnionCredit union Linton, IN | 84 out of 100, Strong | $1.7M | 14.5% | 0.23% | vs |
| Gary Firefighters Association Federal Credit UnionCredit union Gary, IN | 54 out of 100, Below average | $1.6M | 44.2% | 10.30% | vs |
Deposit insurance
Is my money safe at South Bend Transit Federal Credit Union?
Yes. South Bend Transit Federal Credit Union is a federally insured credit union (NCUA charter #4487). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 29.00%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
South Bend Transit Federal Credit Union lists 2 offices in 1 city. Most locations:
- South Bend, IN (2)
Identity & history
Profile
- Legal name
- South Bend Transit Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 4487
- RSSD ID
- 709376
- Primary regulator
- NCUA
- Established
- 1941
- Headquarters
- 1401 S Lafayette Blvd Ste 100, South Bend, IN 46613
- Employees
- 2
Quick answers
South Bend Transit Federal Credit Union: common questions
Is South Bend Transit Federal Credit Union NCUA insured?
Yes. South Bend Transit Federal Credit Union is a federally insured credit union (NCUA charter #4487). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is South Bend Transit Federal Credit Union's TellerScore?
48 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does South Bend Transit Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near South Bend
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Policemen'S Federal Credit UnionCredit union South Bend, IN | 92 out of 100, Very strong | $95.5M | 16.4% | 0.29% | vs |
| Tlcu Financial Credit UnionCredit union Mishawaka, IN | 89 out of 100, Very strong | $59.4M | 16.0% | 0.45% | vs |
| Chiphone Federal Credit UnionCredit union Elkhart, IN | 87 out of 100, Very strong | $111.8M | 16.4% | 0.38% | vs |
| South Bend Firefighters Federal Credit UnionCredit union South Bend, IN | 82 out of 100, Strong | $64.3M | 23.6% | 1.07% | vs |
| Beacon Credit UnionCredit union Wabash, IN | 76 out of 100, Strong | $1.8B | 13.5% | 0.47% | vs |
| 1st Source BankBank South Bend, IN | 75 out of 100, Strong | $9.3B | 13.7% | 0.99% | vs |