TRANSIT EMPLOYEES
Charter #3764 | MD
<100M
(2596 CUs)
Micro
($0-$500M)
28 <100M in MD
TRANSIT EMPLOYEES has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.9% in tier
- + Total Assets: Top 1.7% in tier
- + Total Deposits: Top 3.4% in tier
- + Fee Income Per Member: Top 5.6% in tier
- + Total Loans: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Efficiency ratio 11.08% above tier (higher cost structure)
- - Member decline: -6.5% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,741
-6.5% YoY+0.1% QoQ
|
+8.1K |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
Top 1.0% in tier |
| Assets |
$95.3M
-0.3% YoY-0.6% QoQ
|
+$65.5M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 1.7% in tier |
| Loans |
$41.4M
-6.4% YoY-2.4% QoQ
|
+$25.6M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Top 9.6% in tier |
| Deposits |
$78.1M
-2.9% YoY-1.7% QoQ
|
+$52.6M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Top 3.4% in tier |
| ROA |
0.2%
-128.7% YoY-6.2% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
25th in tier |
| NIM |
3.3%
+3.0% YoY+2.8% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
28th in tier |
| Efficiency Ratio |
92.5%
-9.0% YoY-1.6% QoQ
|
+11.1% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
Top 19.5% in tier |
| Delinquency Rate |
0.9%
+36.2% YoY+111.6% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
60th in tier |
| Loan To Share |
53.0%
-3.6% YoY-0.7% QoQ
|
-8.3% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
36th in tier |
| AMR |
$11,120
+2.6% YoY-2.1% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
34th in tier |
| CD Concentration |
24.4%
-13.9% YoY-5.9% QoQ
|
+0.0% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.4%
+4.0% 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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
25
Total Members
engagement
Value:
10,741
Peer Avg: 2,626
#25 of 2596
Top 0.9% in <100M tier
44
Total Assets
balance_sheet
Value:
$95.33M
Peer Avg: $29.86M
#44 of 2596
Top 1.7% in <100M tier
88
Total Deposits
balance_sheet
Value:
$78.09M
Peer Avg: $25.45M
#88 of 2596
Top 3.4% in <100M tier
146
Fee Income Per Member
profitability
Value:
$211.88
Peer Avg: $182.96
#146 of 2596
Top 5.6% in <100M tier
248
Total Loans
balance_sheet
Value:
$41.35M
Peer Avg: $15.77M
#248 of 2596
Top 9.5% in <100M tier
305
Members Per Employee (MPE)
engagement
Value:
537.050
Peer Avg: 365.701
#305 of 2596
Top 11.7% in <100M tier
643
Net Worth Ratio
risk
Value:
19.11%
Peer Avg: 16.43%
#643 of 2596
Top 24.7% in <100M tier
Top Weaknesses (4 metrics)
2330
First Mortgage Concentration (%)
balance_sheet
Value:
44.40%
Peer Avg: 14.49%
#2330 of 2596
Bottom 10.3% in <100M tier
2308
Member Growth Rate
growth
Value:
-6.54%
Peer Avg: 14.92%
#2308 of 2596
Bottom 11.1% in <100M tier
2092
Efficiency Ratio
profitability
Value:
92.47%
Peer Avg: 81.39%
#2092 of 2596
Bottom 19.5% in <100M tier
2041
Net Charge-Off Rate
risk
Value:
0.71%
Peer Avg: 0.57%
#2041 of 2596
Bottom 21.4% in <100M tier