Transit Employees Federal Credit Union
Total assets
$94.6M
▼ -3.5% YoY
Shares & deposits
$78.0M
▼ -4.7% YoY
Loans
$39.4M
▼ -8.2% YoY
Members
12,406
▲ +15.2% YoY
ROA (annualized)
-0.22%
peers 0.60%
ROE (annualized)
-1.15%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +1.3% | -4.8 pts |
| Share growth (YoY) | -4.7% | +0.7% | -5.4 pts |
| Loan growth (YoY) | -8.2% | -2.4% | -5.9 pts |
| ROA | -0.22% | 0.60% | -0.8 pts |
| ROE | -1.1% | 4.1% | -5.3 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
Profile
- Established
- 1940
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 6404 Ivy Ln Ste 510, Greenbelt, MD, 20770
- NCUA charter #
- 3764
- RSSD ID
- 321479
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $94.6M | $78.0M | $39.4M | $18.1M | $-52K | -0.22% | 3.13% | 0.94% | 12,406 |
| Q4 2025 | $93.4M | $76.4M | $40.5M | $18.2M | $186K | 0.20% | 3.40% | 2.30% | 10,391 |
| Q3 2025 | $95.3M | $78.1M | $41.4M | $18.2M | $166K | 0.23% | 3.31% | 0.94% | 10,741 |
| Q2 2025 | $95.9M | $79.5M | $42.4M | $18.2M | $120K | 0.25% | 3.25% | 0.45% | 10,727 |
| Q1 2025 | $98.0M | $81.9M | $42.9M | $18.1M | $50K | 0.20% | 3.06% | 0.45% | 10,772 |
| Q4 2024 | $96.5M | $81.1M | $43.5M | $18.1M | $-786K | -0.81% | 3.14% | 1.29% | 10,718 |
| Q3 2024 | $95.7M | $80.4M | $44.2M | $18.3M | $-575K | -0.80% | 3.18% | 0.69% | 11,493 |
| Q2 2024 | $94.3M | $80.2M | $44.5M | $18.5M | $-410K | -0.87% | 3.25% | 0.45% | 11,446 |
Loan mix (Q1 2026): real estate $17.9M · commercial $4.8M · consumer $9.2M · securities $42.4M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.22% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -1.1% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.83% | 22th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.4% | 81.5% | 86th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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