Credit union · NCUA insured
South Bend Transit Federal Credit Union
A $2.7M credit union headquartered in South Bend, IN, with 362 members and 1 branch in Indiana.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About South Bend Transit Federal Credit Union
Headquartered in South Bend, Indiana, and serving members since 1949, South Bend Transit Federal Credit Union is a member-owned nonprofit financial institution.
The credit union is dedicated to serving the transportation community, specifically Transpo employees, retirees, and their families.
- Headquarters
- 1401 S Lafayette Blvd Ste 100, South Bend, IN 46613
- NCUA charter
- 4487
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to Transpo retirees.
- Membership is available to Transpo employees.
Family and household
- Membership is available to immediate family members.
Cost to join
- Membership requires a $5 initial deposit into Share Savings.
Branches
1 branch in Indiana
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Indiana
1 branch
- Emil "Lucky" Reznik Administration, Maintenance and Operations FacilityMain office1401 S Lafayette Blvd Ste 100, South Bend, IN 46613Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 29.00% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 6.84% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -2.29% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $86 | $59 | — |
- CapitalNet worth ratio29.00%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late6.84%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-2.29%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$86Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of South Bend Transit Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.