BlastPoint's Credit Union Scorecard
TRANSIT OPERATIONS
Charter #24539 · MN
TRANSIT OPERATIONS has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.17% above tier average
- + Members Per Employee (MPE): Top 5.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency ratio 15.02% above tier (higher cost structure)
- - Delinquency rate 2.79% above tier average
- - Member decline: -2.6% YoY
- - Net Charge-Off Rate: Bottom 0.9% in tier
- - Loan Growth Rate: Bottom 5.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
643
-2.6% YoY+0.3% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$4.0M
-1.0% YoY+3.1% QoQ
|
$-26.2M |
$30.2M
+1.3% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$1.1M
-21.5% YoY-15.2% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.3% in tier |
| Deposits |
$3.3M
-0.3% YoY+3.9% QoQ
|
$-22.5M |
$25.8M
+0.7% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
17% |
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| ROA |
-0.3%
-49.2% YoY-60.3% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
16% |
| NIM |
4.2%
-7.6% YoY-9.6% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
105.7%
-4.5% YoY+8.5% QoQ
|
+15.0% |
90.6%
+6.5% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.2% in tier |
| Delinquency Rate |
4.3%
-31.5% YoY-33.8% QoQ
|
+2.8 |
1.5%
+3.8% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.1% in tier |
| Loan To Share |
33.5%
-21.2% YoY-18.4% QoQ
|
-25.0% |
58.5%
-3.0% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.7% in tier |
| AMR |
$6,885
-4.1% YoY-2.0% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 14.7% in tier |
| CD Concentration |
8.4%
+1.0% YoY-2.0% QoQ
|
-15.8% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.4% | 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)