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 0.71% 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
|
18% |
| 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
|
16% |
| 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
|
17% |
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| 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
|
19% |
| 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
|
78% |
| 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
|
23% |
| 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
|
16% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
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)