AAA Credit Union Profile

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AAA

Charter #3412 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (574) 232-8021

Fax: (574) 280-3234

Founding Date: N/A

Website: http://www.aaafcu.com

Personnel & Operations

President: Hill, Larry

Manager: Obermeyer, Paul

FT Employees: 23

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 3

Hours: Monday - Thursday 9 - 5:00Friday 9 - 5:30

Credit Union Profile Summary

AAA is a FCU Credit Union. With a total of 4,639 members [1], this institution manages approximately $78,651,110 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.47% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -7.94% [1].

Financial Snapshot

Total Assets [1]
$78,651,110

Total economic resources.

Total Loans [1]
$22,019,601

Total value of outstanding loans.

Total Deposits [1]
$69,499,809

Total funds deposited by members.

Members [1]
4,639

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.47%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.92%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
31.68%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -0.08%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -7.94%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -17.04%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1112 N Bendix Dr

South Bend, IN, 46628-1929
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by AAA (Charter #3412).

Main Office

Main Office Main Office

Type: Corporate Office

1112 N Bendix Dr

South Bend, IN 46628-1929

Phone: (574) 232-8021

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Mishawaka

Mishawaka

Type: Branch Office

3630 Edison Lakes Pkwy

Mishawaka, IN 46545-3445

Phone: (574) 255-2323

Services: Member Services, ATM, Drive-Thru

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South Bend

Ireland Road

Type: Branch Office

1404 E Ireland Rd

South Bend, IN 46614-3452

Phone: (574) 231-4508

Services: Member Services, ATM, Drive-Thru

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