# SOUTH BEND FIREFIGHTERS
SOUTH BEND, IN · NCUA charter 13279 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/south-bend-firefighters-13279

Who the members are: federal charter, multiple common bond, organized 1959. 3,312 members of 4,000 potential (82.8% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 73.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $65.0M |
| Members | 3,312 (0.1% YoY) |
| Full-time staff | 8 |
| Net worth | $15.0M |
| Net worth ratio | 23.0% (p97 of band) |
| ROA (annualized) | 1.19% (p75 of band) |
| Total delinquency | 1.75% (p90 of band) |
| Net charge-offs (annualized) | -0.01% (p12 of band) |
| Loans / shares | 74% (p75 of band) |
| Cash / assets | 41.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.84% (p12 of band) |
| Operating expense / assets | 2.40% (p11 of band) |
| Vehicles % of loans | 34% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.85% (p88 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 41% |
| Average share balance | $7,191 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 73% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $15,317 |
| Loans granted, annualized | $10.8M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 0 |  | delinquency rising, net worth falling |
| 2017-12 | 2 | delinquency rising, members leaving |  |
| 2018-03 | 1 | net worth falling | delinquency rising, members leaving |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | net worth falling, members leaving |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 0 |  | members leaving |
| 2020-03 | 1 | members leaving |  |
| 2020-06 | 1 | net worth falling | members leaving |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | members leaving |  |
| 2022-12 | 3 | delinquency rising, loans>95% of shares |  |
| 2023-03 | 2 |  | loans>95% of shares |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | members leaving |
| 2023-12 | 1 | loans>95% of shares | delinquency rising |
| 2024-03 | 0 |  | loans>95% of shares |
| 2024-06 | 0 |  |  |
| 2024-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2024-12 | 1 | net worth falling | delinquency 2x band, delinquency rising |
| 2025-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 1 |  | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-12-17 [Obituary for Kevin M. "Snuffy" Chlebowski - Kaniewski Funeral Homes, Inc.](https://news.google.com/rss/articles/CBMiakFVX3lxTE1TeWFQVWMzNmVZVkxpdGFIMkx5RzduTmh1MkRXMFN1WEhKbHk4al9ESWZseU04RTNTa0x3Z2lKME1xVm1hWUl6c0h6Ry1SLXRYNWFkaUZJUF9jUGRrb1pHRU4zbUJsSUVQdGc?oc=5) · Kaniewski Funeral Homes, Inc.
- 2026-04-30 [Watch: Firefighters fold and return American flag to homeowner’s porch - WNDU](https://news.google.com/rss/articles/CBMimgFBVV95cUxQT0tuMGdnUWhCV1VwS00xcmxTNDRXQklKMVNDWlpMcXVRYzB6TWEwbHQ4a24xRWVTdmN0MjRBdmt0a2VDWEJrOWItT0c4ZXhtUWFoM0ZuV2ZKamZUekl2QXl1dG1GWnV5ZE9XNVJid3RCUWFEejBmaWNuaUpQSTlST0NjckN4V0w1TmtVV1VWWXpUSDdGMXpwWGxB0gGuAUFVX3lxTE9mNzU0Y29QTklZLWJyY0RQWFcxY3ZuM1I4UnBFZGV6U1h3WFM5cVR6dFdveGNuNXJ1SHF2M3drZVhYWWFhSVNvNVpBcTlPUm1zZzJJMVhXb0Z1MGpCMlpiM2p5dWkwQmdDY2tITTZKYlpTY2dGQlF6eDctcjFNWUpJZ05GX3A3Wkw1YVJ2YXg0T0txUHR3anBNQ0o3c0I2QWdkZWZoUTlBNjFteXEzZw?oc=5) · WNDU
- 2021-10-16 [Richard Lentz Obituary (2015) - South Bend, IN - South Bend Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMilwFBVV95cUxNa0JVQ1AzS2xOUTJnMzZMNmRPSzdMTjZoQVV0b2t1VUwwWTZ6Mk5jZHZKZjZTdVFYY3IzbWNoNldEaDFTR1JZNmM0RThGcWtvelQ3RWo3U3VOVHhtTjN6VXFEaHpSWlJMV09TRDNYbnlwbkZVZTNza00zSG5YRExjSG84T0pHRkhYamdnbVh1bEdvbkhfMGFZ?oc=5) · Legacy obituary
- 2021-08-28 [Obituary for Melvin E. "Mel" Lesniewicz - Kaniewski Funeral Homes, Inc.](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1jS1VwQ0N0TzFxNjBlanQ5VlVhUGdRT1NRQm9CXzFld2VCZzVHMHZwc1FVcGxwWm10NWVYdzR3Zmk2SlpoUkUwSzZwUXdxQ3dqSzI5RUQwMldBMFlubkhhTmpwYzBuWWc?oc=5) · Kaniewski Funeral Homes, Inc.
- 2024-07-17 [A look ahead at the 25th annual Firefighters Blues Festival - WNDU](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQZXAwSElYUGdtRlJNLUhUeWg1amV3R1Z2OUV6X1BxT1RGemdRNEJaS2pWUWFZblB3X19vZHBQM0FXSjhaelhQXzM5UUstVWgzT2JtX2QwMzIyVDdOYU9YX0lJMHp0RGVJQy0xZGhnVjJjeUh0ZU04ZThieGJBaTRfOFlEVXRxVlMxTGU4?oc=5) · WNDU
- 2021-01-09 [Fitbit Pay Banks: Where it's supported, and what countries - androidcentral.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBrOFpVS2o4TlpCWmJtV3k5N1VZRVg4eUxkaDNhNXJQZ3JFd0Q5Z0VYWXpNOHpLcEJ5SHp3ckJfNWt5S2E5LUIwZ1l0R1NJaFdURGRtemdLbVhFVzdUT1ZRbQ?oc=5) · androidcentral.com
- 2025-07-15 [Firefighters Blues Festival returns to Mishawaka this weekend for 26th year - WNDU](https://news.google.com/rss/articles/CBMiowFBVV95cUxQVmpQTlc5aXN6MWExN0dpXzRlSk5Jb0ZxRGp4R3l3cG5oYlZDSG1YcE1JenZqRGtLYVZWSEk0aVAwQ3hiSHVlSW1PeDhvQWhRU3hlSExmNnFiZWZLdjRBdnV4VkF6X0Y1Q2EzNjFXZlpONllOUWx3Y0RqYnhIY2JhR1g4ckVNTFpNc0hCeWZrSFUzOUdJelBMY2l4YXFNdUN2NG1n0gG3AUFVX3lxTE9YRDRLcGJ6Ti1PcUVxTmNhLXFjQmpaVDJqRWNrS2l3Zm5SbS1fdDZJQ2FuTXB4cmxtUXMwVjc5bnRBTTJDWW1aaXZhTjJ5bzMtY3dGeXJ0ZDJaUjhBMkxfYW01OTZHYWc4RGlzcEM0N0Nyb3V0ampUd3dQUW4xOGhsQkE3ckR1YVRsZGh2d1lSNnExNEtLQmJMeWZuWXV4d1lSZFM4RkdjaV9LZ3RaLUZRRzdoTEV1MA?oc=5) · WNDU
- 2008-03-30 [Brenda Wray Obituary (2008) - South Bend, IN - South Bend Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMilgFBVV95cUxORVZLeVk4dGRFVk8wWXh3RlU2amtmeWUtRmZTMkdMMm1oR2k1RkxkMklXcGFwMXFLZWRPS09OWVZIMjFVZXgtMTI2c2o2MzFoYUJZWXFoWDNScUFBTkVvN2FwMVBzNzhMd2drSnhPUGwtWXpIVUZtRF9YR1M4LU41YXFNcExIWC1MRDBaZmh6YlNHTmN3S1E?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13279 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/31.json (key "13279", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=13279
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide