TRANSIT OPERATIONS
Charter #24539 | MN
<100M
(2596 CUs)
Micro
($0-$500M)
38 <100M in MN
TRANSIT OPERATIONS has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.71% 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 0.61% below tier average
- - Efficiency ratio 15.58% above tier (higher cost structure)
- - Delinquency rate 6.50% above tier average
- - Member decline: -5.2% YoY
- - Total Delinquency Rate (60+ days): Bottom 3.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
638
-5.2% YoY-4.5% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 17.6% in tier |
| Assets |
$3.9M
-3.0% YoY+3.3% QoQ
|
$-25.9M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 16.1% in tier |
| Loans |
$1.4M
-14.7% YoY+0.6% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.1% in tier |
| Deposits |
$3.2M
-3.7% YoY+4.0% QoQ
|
$-22.2M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 16.8% in tier |
| ROA |
0.1%
-87.5% YoY+19.3% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Bottom 18.7% in tier |
| NIM |
4.6%
-5.7% YoY+1.2% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
Top 22.3% in tier |
| Efficiency Ratio |
97.0%
+19.3% YoY-1.5% QoQ
|
+15.6% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 13.7% in tier |
| Delinquency Rate |
8.0%
+32.1% YoY-7.8% QoQ
|
+6.5 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Top 3.0% in tier |
| Loan To Share |
42.9%
-11.4% YoY-3.3% QoQ
|
-18.4% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 22.6% in tier |
| AMR |
$7,199
-2.2% YoY+7.8% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 15.7% in tier |
| CD Concentration |
8.6%
+16.9% YoY-3.9% QoQ
|
-15.8% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (4 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
156
Members Per Employee (MPE)
engagement
Value:
638.000
Peer Avg: 365.701
#156 of 2596
Top 6.0% in <100M tier
579
Net Interest Margin (NIM)
profitability
Value:
4.64%
Peer Avg: 3.93%
#579 of 2596
Top 22.3% in <100M tier
Top Weaknesses (14 metrics)
2520
Total Delinquency Rate (60+ days)
risk
Value:
8.01%
Peer Avg: 1.51%
#2520 of 2596
Bottom 3.0% in <100M tier
2289
Loan Growth Rate
growth
Value:
-14.70%
Peer Avg: 59.01%
#2289 of 2596
Bottom 11.9% in <100M tier
2242
Efficiency Ratio
profitability
Value:
96.97%
Peer Avg: 81.39%
#2242 of 2596
Bottom 13.7% in <100M tier
2231
Total Loans
balance_sheet
Value:
$1.38M
Peer Avg: $15.77M
#2231 of 2596
Bottom 14.1% in <100M tier
2218
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,159
Peer Avg: $5,488
#2218 of 2596
Bottom 14.6% in <100M tier
2188
Average Member Relationship (AMR)
engagement
Value:
$7,199
Peer Avg: $14,627
#2188 of 2596
Bottom 15.8% in <100M tier
2180
Member Growth Rate
growth
Value:
-5.20%
Peer Avg: 14.92%
#2180 of 2596
Bottom 16.1% in <100M tier
2179
Total Assets
balance_sheet
Value:
$3.94M
Peer Avg: $29.86M
#2179 of 2596
Bottom 16.1% in <100M tier
2159
Total Deposits
balance_sheet
Value:
$3.22M
Peer Avg: $25.45M
#2159 of 2596
Bottom 16.9% in <100M tier
2139
Total Members
engagement
Value:
638
Peer Avg: 2,626
#2139 of 2596
Bottom 17.6% in <100M tier