BlastPoint's Credit Union Scorecard
TRANSIT AUTHORITY DIVISION B
Charter #798 · NY
TRANSIT AUTHORITY DIVISION B has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.61% above tier average
- + Net Interest Margin 0.42% above tier average
- + Net Charge-Off Rate: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.77% above tier average
- - Member decline: -4.2% YoY
- - Loan-to-Member Ratio (LMR): Bottom 5.1% in tier
- - Loan-to-Share Ratio: Bottom 6.0% in tier
- - Average Member Relationship (AMR): Bottom 6.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,461
-4.2% YoY+0.9% QoQ
|
-1.2K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
40% |
| Assets |
$6.1M
-3.5% YoY-2.6% QoQ
|
$-24.1M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$1.1M
-15.2% YoY-4.6% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.4% in tier |
| Deposits |
$5.2M
-5.6% YoY-3.4% QoQ
|
$-20.6M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
0.8%
-79.1% YoY-62.7% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
58% |
| NIM |
4.4%
-13.2% YoY-9.6% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
74% |
| Efficiency Ratio |
84.1%
+65.5% YoY+28.9% QoQ
|
-6.5% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
56% |
| Delinquency Rate |
4.3%
+187.1% YoY+42.2% QoQ
|
+2.8 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.1% in tier |
| Loan To Share |
21.6%
-10.1% YoY-1.3% QoQ
|
-36.9% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 5.9% in tier |
| AMR |
$4,303
-3.4% YoY-4.5% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.8% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)