BlastPoint's Credit Union Scorecard
TRANSIT OPERATIONS
Charter #24539 · MN
TRANSIT OPERATIONS has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.66% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 6.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.32% below tier average
- - Efficiency ratio 14.83% above tier (higher cost structure)
- - Delinquency rate 4.92% above tier average
- - Member decline: -4.5% YoY
- - Total Delinquency Rate (60+ days): Bottom 4.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
641
-4.5% YoY+0.5% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$3.9M
+0.2% YoY-1.4% QoQ
|
$-26.3M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$1.3M
-13.8% YoY-4.9% QoQ
|
$-14.5M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.3% in tier |
| Deposits |
$3.2M
+1.2% YoY-0.7% QoQ
|
$-22.5M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
-0.7%
-270.2% YoY-1009.1% QoQ
|
-1.3% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.3% in tier |
| NIM |
4.6%
-5.3% YoY-0.6% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
97.4%
+14.1% YoY+0.4% QoQ
|
+14.8% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
Top 14.2% in tier |
| Delinquency Rate |
6.5%
+8.5% YoY-19.1% QoQ
|
+4.9 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
Top 4.2% in tier |
| Loan To Share |
41.0%
-14.8% YoY-4.2% QoQ
|
-19.6% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$7,023
+0.8% YoY-2.4% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
15% |
| CD Concentration |
8.6%
+10.5% YoY-0.4% QoQ
|
-15.8% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 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)