BlastPoint's Credit Union Scorecard
TRANSIT
Charter #21831 · NY
TRANSIT has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Efficiency ratio 7.33% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 2.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.5% in tier
- - Net Charge-Off Rate: Bottom 6.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,158
+2.7% YoY+0.8% QoQ
|
+542 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$17.8M
+3.7% YoY+3.7% QoQ
|
$-12.3M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
45% |
| Loans |
$2.2M
-2.2% YoY-3.9% QoQ
|
$-13.6M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$16.0M
+3.8% YoY+3.9% QoQ
|
$-9.7M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
0.4%
+258.2% YoY+37.6% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.1%
+7.2% YoY+6.0% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
23% |
| Efficiency Ratio |
89.9%
-7.3% YoY-2.6% QoQ
|
+7.3% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.1%
-33.2% YoY-53.4% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
13.8%
-5.8% YoY-7.5% QoQ
|
-46.8% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.4% in tier |
| AMR |
$5,751
+0.4% YoY+2.1% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.1% 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)