BlastPoint's Credit Union Scorecard
TRANSIT OPERATIONS
Charter #24539 · MN
TRANSIT OPERATIONS has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.35% above tier average
- + Deposit Growth Rate: Top 6.4% in tier
- + Members Per Employee (MPE): Top 7.2% in tier
- + AMR Growth Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.07% below tier average
- - Efficiency ratio 19.79% above tier (higher cost structure)
- - Delinquency rate 2.55% above tier average
- - Member decline: -8.5% YoY
- - Net Charge-Off Rate: Bottom 1.6% in tier
- - Member Growth Rate: Bottom 8.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.4% in tier
- - Loan Growth Rate: Bottom 8.9% 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 37 that size in Minnesota.
- Shares and deposits +11.3% year over year ($3.4M in shares and deposits).
- Membership: 611 members, -8.5% vs a year ago.
- Delinquency rate 4.10%.
- Return on assets 0.42%.
- Efficiency ratio 108.55% vs a 88.77% peer average.
- Loan-to-share ratio 32.79% 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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
611
-8.5% YoY-5.0% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$4.1M
+8.1% YoY+3.0% QoQ
|
$-26.2M |
$30.3M
+1.5% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$1.1M
-17.6% YoY+1.6% QoQ
|
$-14.3M |
$15.5M
-1.7% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.4% in tier |
| Deposits |
$3.4M
+11.3% YoY+3.8% QoQ
|
$-22.4M |
$25.8M
+1.1% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
17% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
+555.7% YoY-252.1% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
4.3%
-7.3% YoY+1.9% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
108.6%
+10.2% YoY+2.7% QoQ
|
+19.8% |
88.8%
-6.9% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate |
4.1%
-52.8% YoY-4.4% QoQ
|
+2.6 |
1.5%
+2.1% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.4% in tier |
| Loan To Share |
32.8%
-26.0% YoY-2.1% QoQ
|
-26.1% |
58.9%
-3.1% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.1% in tier |
| AMR |
$7,477
+12.0% YoY+8.6% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
8.1%
-9.9% YoY-4.0% QoQ
|
-16.4% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)