BlastPoint's Credit Union Scorecard
TRANSIT EMPLOYEES
Charter #3764 · MD
TRANSIT EMPLOYEES has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 1.1% in tier
- + Total Assets: Top 2.5% in tier
- + Total Deposits: Top 4.5% in tier
- + Fee Income Per Member: Top 5.0% in tier
- + Total Loans: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency ratio 11.13% above tier (higher cost structure)
- - Delinquency rate 0.74% above tier average
- - Member decline: -3.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,391
-3.1% YoY-3.3% QoQ
|
+7.8K |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 1.2% in tier |
| Assets |
$93.4M
-3.2% YoY-2.0% QoQ
|
+$63.3M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
Top 2.5% in tier |
| Loans |
$40.5M
-6.8% YoY-2.0% QoQ
|
+$24.8M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Top 10.0% in tier |
| Deposits |
$76.4M
-5.7% YoY-2.1% QoQ
|
+$50.7M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 4.5% in tier |
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| ROA |
0.2%
-124.0% YoY-15.3% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
3.4%
+6.8% YoY+1.9% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
93.7%
-10.0% YoY+1.3% QoQ
|
+11.1% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
2.3%
+78.6% YoY+144.0% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
53.0%
-1.2% YoY+0.2% QoQ
|
-7.6% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$11,258
-3.1% YoY+1.2% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
24.2%
-13.6% YoY-0.8% QoQ
|
-0.2% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)