BlastPoint's Credit Union Scorecard
TRANSIT WORKERS
Charter #17885 · PA
TRANSIT WORKERS has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.44% above tier average
- + Net Interest Margin 0.74% above tier average
- + Strong member growth: 36.3% YoY
- + Member Growth Rate: Top 1.1% in tier
- + Members Per Employee (MPE): Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 29.66% above tier (higher cost structure)
- - Delinquency rate 0.45% above tier average
- - AMR Growth Rate: Bottom 0.8% in tier
- - Net Charge-Off Rate: Bottom 2.9% in tier
- - Average Member Relationship (AMR): Bottom 5.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.9% in tier
- - Asset Growth Rate: Bottom 10.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits -5.8% year over year ($13.1M in shares and deposits).
- Membership: 5,058 members, +36.3% vs a year ago.
- Delinquency rate 2.00%.
- Return on assets 1.93%.
- Efficiency ratio 118.42% vs a 88.77% peer average.
- Loan-to-share ratio 38.41% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,058
+36.3% YoY+40.5% QoQ
|
+2.5K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Top 13.0% in tier |
| Assets |
$14.6M
-6.7% YoY+0.3% QoQ
|
$-15.7M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$5.1M
-15.8% YoY-6.6% QoQ
|
$-10.4M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
35% |
| Deposits |
$13.1M
-5.8% YoY+1.0% QoQ
|
$-12.7M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
42% |
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| ROA |
1.9%
-142.4% YoY-223.8% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Top 10.7% in tier |
| NIM |
4.6%
+22.3% YoY-1.1% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
118.4%
-3.8% YoY+3.1% QoQ
|
+29.7% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.5% in tier |
| Delinquency Rate |
2.0%
+40.4% YoY+5.1% QoQ
|
+0.5 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
38.4%
-10.6% YoY-7.6% QoQ
|
-20.5% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
20% |
| AMR |
$3,598
-33.1% YoY-29.7% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.2% in tier |
| CD Concentration |
0.1%
-87.6% YoY-87.9% QoQ
|
-24.5% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 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)