BlastPoint's Credit Union Scorecard
TRANSIT AUTHORITY DIVISION B
Charter #798 · NY
TRANSIT AUTHORITY DIVISION B has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.51% above tier average
- + Net Interest Margin 1.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Member Ratio (LMR): Bottom 5.1% in tier
- - Loan-to-Share Ratio: Bottom 5.9% in tier
- - Average Member Relationship (AMR): Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,525
0% YoY0% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$6.1M
-0.4% YoY-1.0% QoQ
|
$-23.8M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$1.2M
-9.9% YoY-4.1% QoQ
|
$-14.6M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.7% in tier |
| Deposits |
$5.3M
-2.7% YoY-1.4% QoQ
|
$-20.2M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
24% |
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| ROA |
2.2%
+52.7% YoY-21.2% QoQ
|
+1.5% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 6.4% in tier |
| NIM |
5.0%
+7.9% YoY-4.8% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 15.0% in tier |
| Efficiency Ratio |
63.5%
-11.2% YoY+11.3% QoQ
|
-17.9% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.7%
-64.9% YoY-85.4% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
51% |
| Loan To Share |
22.7%
-7.4% YoY-2.6% QoQ
|
-38.5% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.7% in tier |
| AMR |
$4,233
-4.1% YoY-1.9% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% 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)