BlastPoint's Credit Union Scorecard
TRANSIT WORKERS
Charter #17885 · PA
TRANSIT WORKERS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.52% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 3.60% below tier average
- - Efficiency ratio 37.50% above tier (higher cost structure)
- - Delinquency rate 0.27% above tier average
- - Member decline: -5.1% YoY
- - Net Charge-Off Rate: Bottom 4.6% in tier
- - Asset Growth Rate: Bottom 4.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.3% in tier
- - Average Member Relationship (AMR): Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,654
-5.1% YoY+12.2% QoQ
|
+1.0K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$14.5M
-9.8% YoY-4.4% QoQ
|
$-15.7M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$5.9M
-7.2% YoY-6.6% QoQ
|
$-9.9M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$13.0M
-6.5% YoY-2.9% QoQ
|
$-12.6M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
-3.0%
+5.2% YoY-3.9% QoQ
|
-3.6% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.0% in tier |
| NIM |
4.5%
+1.8% YoY+7.4% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
120.1%
-0.9% YoY-0.7% QoQ
|
+37.5% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 4.1% in tier |
| Delinquency Rate |
1.8%
-18.2% YoY+62.1% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
44.9%
-0.7% YoY-3.8% QoQ
|
-15.7% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$5,175
-1.6% YoY-14.5% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.7% in tier |
| CD Concentration |
0.6%
+2.0% YoY+3.0% QoQ
|
-23.8% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 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)