BlastPoint's Credit Union Scorecard
TRANSIT EMPLOYEES
Charter #3764 · 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 |
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| 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
|
25% |
| 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
|
28% |
| 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
|
80% |
| 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
|
60% |
| 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
|
36% |
| 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
|
34% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% 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)