BlastPoint's Credit Union Scorecard
TRANSIT WORKERS
Charter #17885 · PA
2596 CUs in <100M nationally
198 in PA
TRANSIT WORKERS has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 3.79% below tier average
- - Efficiency ratio 39.46% above tier (higher cost structure)
- - Member decline: -16.5% YoY
- - Member Growth Rate: Bottom 2.4% in tier
- - Net Charge-Off Rate: Bottom 4.0% in tier
- - Asset Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,256
-16.5% YoY-12.2% QoQ
|
+630 |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$15.1M
-7.1% YoY-3.4% QoQ
|
$-14.7M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
41% |
| Loans |
$6.3M
-0.2% YoY+4.6% QoQ
|
$-9.5M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
39% |
| Deposits |
$13.4M
-5.4% YoY-3.7% QoQ
|
$-12.0M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
43% |
| ROA |
-3.1%
-12.2% YoY-31.9% QoQ
|
-3.8% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.0% in tier |
| NIM |
4.2%
-3.9% YoY+9.6% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
61% |
| Efficiency Ratio |
120.9%
+2.2% YoY-1.9% QoQ
|
+39.5% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 4.3% in tier |
| Delinquency Rate |
1.1%
-58.1% YoY-21.0% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
64% |
| Loan To Share |
46.7%
+5.5% YoY+8.7% QoQ
|
-14.5% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$6,054
+15.3% YoY+12.5% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.0% in tier |
| CD Concentration |
0.6%
-1.8% YoY-1.3% QoQ
|
-23.8% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
112
AMR Growth Rate
growth
Value:
15.29%
Peer Avg: 4.67%
#112 of 2596
Top 4.3% in <100M tier
477
Members Per Employee (MPE)
engagement
Value:
465.143
Peer Avg: 365.701
#477 of 2596
Top 18.3% in <100M tier
629
Share Certificate Concentration (%)
balance_sheet
Value:
0.61%
Peer Avg: 15.37%
#629 of 2596
Top 24.2% in <100M tier
Top Weaknesses (8 metrics)
2545
Return on Assets (ROA)
profitability
Value:
-3.10%
Peer Avg: 0.68%
#2545 of 2596
Bottom 2.0% in <100M tier
2534
Member Growth Rate
growth
Value:
-16.53%
Peer Avg: 14.92%
#2534 of 2596
Bottom 2.4% in <100M tier
2494
Net Charge-Off Rate
risk
Value:
2.67%
Peer Avg: 0.57%
#2494 of 2596
Bottom 4.0% in <100M tier
2486
Efficiency Ratio
profitability
Value:
120.86%
Peer Avg: 81.39%
#2486 of 2596
Bottom 4.3% in <100M tier
2355
Asset Growth Rate
growth
Value:
-7.07%
Peer Avg: 1.82%
#2355 of 2596
Bottom 9.3% in <100M tier
2284
Average Member Relationship (AMR)
engagement
Value:
$6,054
Peer Avg: $14,627
#2284 of 2596
Bottom 12.1% in <100M tier
2279
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,927
Peer Avg: $5,488
#2279 of 2596
Bottom 12.2% in <100M tier
2173
Deposit Growth Rate
growth
Value:
-5.36%
Peer Avg: 16.80%
#2173 of 2596
Bottom 16.3% in <100M tier