Overview / Commentary
AAA Federal Credit Union is headquartered in South Bend and is the 55th largest credit union in the state of Indiana. It is also the 2,040th largest credit union in the nation. It was established in 1939 and as of March of 2025, it had grown to 23 employees and 4,791 members at 3 locations. AAA Federal Credit Union has an A health rating.
Field of Membership Restrictions
AAA Federal Credit Union is open to those who live, work, worship, volunteer, or attend school in St. Joseph County, Indiana. Immediate family of existing credit union members are also eligible to join.
See current membership details
Health
A
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. AAA Federal Credit Union has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 3412 |
| Year Chartered | 1939 |
| Employees | 23 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.85% |
| Return on Equity - YTD | 7.52% |
| Annual Interest Income | $768K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $78.8MM$77.9MM |
| Loans | Q1 2025vs Q1 2024 | $22.1MM$23.7MM |
| Deposits | Q1 2025vs Q1 2024 | $69.6MM$69.2MM |
| Equity Capital | Q1 2025vs Q1 2024 | $8.8MM$8.3MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $182K$145K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $32K$70K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |