South Bend Firefighters Federal Credit Union South Bend, Indiana
South Bend Firefighters Federal Credit Union is a federal credit union headquartered in South Bend, IN, established in 1959 (NCUA charter 13279), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,282 members and total assets of $64.3M (up 4.0% from Q2 2025), the 57th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 23.61% at Q2 2026, in the well capitalized band.
Also written as South Bend Firefighters FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 13279
- Headquarters
- South Bend, IN
- Established
- 1959
- Total assets, Q2 2026
- $64.3M
- Assets vs Q2 2025
- +4.0%
- Members, Q2 2026
- 3,282
- Net worth ratio, Q2 2026
- 23.61%
- Latest call report
- Q2 2026, NCUA 5300 · South Bend Firefighters Federal Credit Union call report
- Asset rank in state
- 57th of 118 in Indiana
- Routing number
- 271291761
- Branches
- 2
It has 30 fewer members than on June 30, 2025 (-0.9%). Its net worth ratio was up 0.42 percentage points from 23.19% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $21.6M of $37.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.07% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 23.61% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Indiana
Frequently asked about South Bend Firefighters Federal Credit Union
How big is South Bend Firefighters Federal Credit Union?
At Q2 2026 it reported total assets of $64.3M and 3,282 members.
Where is South Bend Firefighters Federal Credit Union headquartered?
It is headquartered in South Bend, IN, United States.
When was South Bend Firefighters Federal Credit Union founded?
It was established in 1959, per NCUA records.
Is South Bend Firefighters Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 13279): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates South Bend Firefighters Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is South Bend Firefighters Federal Credit Union well capitalized?
Its net worth ratio was 23.61% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is South Bend Firefighters Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.07% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is South Bend Firefighters Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 76.04% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- South Bend, IN 46601
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1959
- NCUA Charter #
- 13279
- RSSD ID
- 709880
- Members
- 3,282
- Potential members
- 4,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 23.61% | 14.31% | 85th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.37% | 0.72% | 77th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 5.78% | 4.74% | 57th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.95% | 3.93% | 16th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 63.99% | 79.83% | 81st top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.58% | 0.78% | 14th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.07% | 0.86% | 45th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.54% | 4.70% | 42nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 76.04% | 58.92% | 75th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$64.3M total assets against $61.9M; $49.0M total shares and deposits against $47.4M; $37.3M total loans against $37.7M.
$15.2M net worth against $14.4M.
23.61% net worth ratio against 23.19%.
76.04% loan-to-share ratio against 79.57%.
1.07% delinquency ratio against 1.65%.
1.37% return on assets against 1.19%; 5.78% return on equity against 5.12%.
2.95% net interest margin against 2.72%.
3,282 members against 3,312.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 23.61% | 1.37% | 1.07% | 76.04% |
| March 31, 2026 | 23.03% | 1.19% | 1.75% | 74.24% |
| December 31, 2025 | 23.33% | 1.43% | 2.50% | 77.62% |
| September 30, 2025 | 23.06% | 1.25% | 1.81% | 77.92% |
| June 30, 2025 | 23.19% | 1.19% | 1.65% | 79.57% |
| March 31, 2025 | 23.18% | 0.70% | 1.34% | 77.22% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.