BlastPoint's Credit Union Scorecard
TRANSIT WORKERS
Charter #17885 · PA
<100M
2508 CUs in <100M nationally
186 in PA
TRANSIT WORKERS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.68% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.71% below tier average
- - Efficiency ratio 24.18% above tier (higher cost structure)
- - Delinquency rate 0.40% above tier average
- - Member decline: -5.0% YoY
- - Net Charge-Off Rate: Bottom 3.2% in tier
- - Asset Growth Rate: Bottom 5.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.1% in tier
- - Average Member Relationship (AMR): Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,600
-5.0% YoY-1.5% QoQ
|
+923 |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
75% |
| Assets |
$14.6M
-9.4% YoY+0.7% QoQ
|
$-15.6M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
40% |
| Loans |
$5.4M
-11.6% YoY-7.7% QoQ
|
$-9.9M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
36% |
| Deposits |
$13.0M
-7.7% YoY-0.2% QoQ
|
$-12.8M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
42% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-1.6%
-25.9% YoY-47.7% QoQ
|
-1.7% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.0% in tier |
| NIM |
4.7%
+19.4% YoY+5.0% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
82% |
| Efficiency Ratio |
114.8%
-5.3% YoY-4.4% QoQ
|
+24.2% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.3% in tier |
| Delinquency Rate |
1.9%
+26.8% YoY+4.3% QoQ
|
+0.4 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
41.6%
-4.2% YoY-7.5% QoQ
|
-17.0% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
24% |
| AMR |
$5,119
-4.0% YoY-1.1% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.4% in tier |
| CD Concentration |
0.6%
+3.2% YoY+0.2% QoQ
|
-23.6% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
440
Net Interest Margin (NIM)
profitability
Value:
4.69%
Peer Median: 3.83%
#440 of 2508
Top 17.5% in <100M tier
519
Members Per Employee (MPE)
engagement
Value:
450.000
Peer Median: 333.750
#519 of 2508
Top 20.7% in <100M tier
599
Share Certificate Concentration (%)
balance_sheet
Value:
0.63%
Peer Median: 12.45%
#599 of 2508
Top 23.8% in <100M tier
621
Total Members
engagement
Value:
3,600
Peer Median: 1,918
#621 of 2508
Top 24.7% in <100M tier
Top Weaknesses (13 metrics)
2428
Net Charge-Off Rate
risk
Value:
3.76%
Peer Median: 0.07%
#2428 of 2508
Bottom 3.2% in <100M tier
2380
Asset Growth Rate
growth
Value:
-9.42%
Peer Median: 1.30%
#2380 of 2508
Bottom 5.1% in <100M tier
2357
Return on Assets (ROA)
profitability
Value:
-1.56%
Peer Median: 0.61%
#2357 of 2508
Bottom 6.1% in <100M tier
2325
Efficiency Ratio
profitability
Value:
114.81%
Peer Median: 81.45%
#2325 of 2508
Bottom 7.3% in <100M tier
2280
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,503
Peer Median: $4,923
#2280 of 2508
Bottom 9.1% in <100M tier
2271
Average Member Relationship (AMR)
engagement
Value:
$5,119
Peer Median: $13,926
#2271 of 2508
Bottom 9.5% in <100M tier
2244
Deposit Growth Rate
growth
Value:
-7.69%
Peer Median: 0.66%
#2244 of 2508
Bottom 10.6% in <100M tier
2084
Member Growth Rate
growth
Value:
-5.04%
Peer Median: -1.37%
#2084 of 2508
Bottom 16.9% in <100M tier
2049
Loan Growth Rate
growth
Value:
-11.60%
Peer Median: -2.36%
#2049 of 2508
Bottom 18.3% in <100M tier
2004
Total Delinquency Rate (60+ days)
risk
Value:
1.90%
Peer Median: 0.65%
#2004 of 2508
Bottom 20.1% in <100M tier