BlastPoint's Credit Union Scorecard
TRANSIT EMPLOYEES
Charter #3764 · MD
TRANSIT EMPLOYEES has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 15.7% YoY
- + Total Members: Top 0.7% in tier
- + Total Assets: Top 2.2% in tier
- + Member Growth Rate: Top 2.7% in tier
- + Total Deposits: Top 4.0% in tier
- + Members Per Employee (MPE): Top 4.0% in tier
- + Fee Income Per Member: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.34% below tier average
- - Efficiency ratio 8.79% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 2.5% in tier
- - First Mortgage Concentration (%): Bottom 9.6% 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 25 that size in Maryland.
- Shares and deposits -3.2% year over year ($76.9M in shares and deposits).
- Membership: 12,415 members, +15.7% vs a year ago.
- Delinquency rate 1.21%.
- Return on assets 0.15%.
- Efficiency ratio 97.56% vs a 88.77% peer average.
- Loan-to-share ratio 49.73% 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 (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,415
+15.7% YoY+0.1% QoQ
|
+9.8K |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
Top 0.7% in tier |
| Assets |
$93.4M
-2.6% YoY-1.3% QoQ
|
+$63.1M |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Top 2.3% in tier |
| Loans |
$38.3M
-9.7% YoY-2.8% QoQ
|
+$22.8M |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
Top 11.2% in tier |
| Deposits |
$76.9M
-3.2% YoY-1.3% QoQ
|
+$51.1M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
Top 4.1% in tier |
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| ROA |
0.2%
-38.1% YoY-169.6% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
Bottom 9.7% in tier |
| NIM |
3.2%
-1.9% YoY+0.6% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
22% |
| Efficiency Ratio |
97.6%
+3.8% YoY-3.8% QoQ
|
+8.8% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
1.2%
+171.6% YoY+28.0% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
49.7%
-6.7% YoY-1.5% QoQ
|
-9.2% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$9,280
-18.3% YoY-1.9% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
22.7%
-12.5% YoY-5.7% QoQ
|
-1.8% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)