BlastPoint's Credit Union Scorecard
TRANSIT EMPLOYEES
Charter #3764 · MD
TRANSIT EMPLOYEES has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 15.2% YoY
- + Total Members: Top 0.5% in tier
- + Total Assets: Top 1.8% in tier
- + Member Growth Rate: Top 2.4% in tier
- + Total Deposits: Top 3.5% in tier
- + Members Per Employee (MPE): Top 9.4% in tier
- + Total Loans: Top 9.9% in tier
- + Fee Income Per Member: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Efficiency ratio 10.74% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 2.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,406
+15.2% YoY+19.4% QoQ
|
+9.7K |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
Top 0.6% in tier |
| Assets |
$94.6M
-3.5% YoY+1.3% QoQ
|
+$64.4M |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
Top 1.8% in tier |
| Loans |
$39.4M
-8.2% YoY-2.9% QoQ
|
+$24.1M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
Top 9.9% in tier |
| Deposits |
$78.0M
-4.7% YoY+2.0% QoQ
|
+$52.2M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
Top 3.5% in tier |
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| ROA |
-0.2%
-207.1% YoY-211.9% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
3.1%
+1.6% YoY-6.9% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
101.4%
+6.9% YoY+8.2% QoQ
|
+10.7% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.5% in tier |
| Delinquency Rate |
0.9%
+110.7% YoY-58.9% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
63% |
| Loan To Share |
50.5%
-3.7% YoY-4.9% QoQ
|
-8.0% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
37% |
| AMR |
$9,458
-18.3% YoY-16.0% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration |
24.1%
-8.3% YoY-0.5% QoQ
|
-0.2% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 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)