BlastPoint's Credit Union Scorecard
TRANSIT AUTHORITY DIVISION B
Charter #798 · NY
TRANSIT AUTHORITY DIVISION B has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.40% above tier average
- + Net Interest Margin 0.94% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.45% above tier average
- - Member decline: -5.0% YoY
- - Loan-to-Member Ratio (LMR): Bottom 5.0% in tier
- - Loan-to-Share Ratio: Bottom 5.6% in tier
- - Average Member Relationship (AMR): Bottom 7.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,448
-5.0% YoY-5.0% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$6.2M
-0.3% YoY+1.9% QoQ
|
$-23.9M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$1.2M
-7.7% YoY-2.0% QoQ
|
$-14.6M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.3% in tier |
| Deposits |
$5.3M
-2.4% YoY+1.7% QoQ
|
$-20.3M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
2.0%
+27.6% YoY-7.8% QoQ
|
+1.4% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 6.7% in tier |
| NIM |
4.9%
+2.3% YoY-1.3% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
65.2%
-6.4% YoY+2.8% QoQ
|
-17.3% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
3.0%
+117.5% YoY+337.6% QoQ
|
+1.5 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 12.9% in tier |
| Loan To Share |
21.9%
-5.4% YoY-3.6% QoQ
|
-38.7% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.5% in tier |
| AMR |
$4,503
+1.7% YoY+6.4% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.4% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)