Transport Credit Union

Credit UnionFISCUTampa, FL·Est. 1991·NCUA #68016Compare ⇄▤ Account brief

Total assets

$35.0M

▼ -2.1% YoY

Shares & deposits

$28.2M

▼ -3.6% YoY

Loans

$24.4M

▼ -2.5% YoY

Members

1,718

▼ -2.2% YoY

ROA (annualized)

0.71%

peers 0.60%

ROE (annualized)

3.84%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	Transport Credit Union	Peer median	Δ
Asset growth (YoY)	-2.1%	+1.3%	-3.4 pts
Share growth (YoY)	-3.6%	+0.7%	-4.3 pts
Loan growth (YoY)	-2.5%	-2.4%	-0.1 pts
ROA	0.71%	0.60%	+0.1 pts
ROE	3.8%	4.1%	-0.3 pts

ROA ranks in the 56th percentile of its peer group · Q1 2026

Profile

Established: 1991
Charter: FISCU
Primary regulator: NCUA
NCUA peer group: Peer group 3
Address: 8916 Sabal Industrial Blvd, Tampa, FL, 33619
NCUA charter #: 68016
RSSD ID: 859794
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	$35.0M	$28.2M	$24.4M	$6.5M	$63K	0.71%	3.83%	0.57%	1,718
Q4 2025	$33.8M	$27.2M	$24.3M	$6.5M	$682K	2.02%	4.03%	0.41%	1,714
Q3 2025	$34.3M	$27.7M	$24.7M	$6.3M	$505K	1.96%	3.96%	0.37%	1,721
Q2 2025	$35.8M	$29.3M	$24.3M	$6.1M	$355K	1.98%	3.76%	0.67%	1,742
Q1 2025	$35.7M	$29.3M	$25.1M	$6.0M	$180K	2.02%	3.71%	1.03%	1,757
Q4 2024	$33.2M	$27.2M	$25.0M	$5.8M	$888K	2.67%	4.10%	0.44%	1,721
Q3 2024	$31.6M	$25.7M	$25.2M	$5.6M	$668K	2.82%	4.32%	0.44%	1,723
Q2 2024	$31.1M	$25.3M	$25.6M	$5.4M	$461K	2.97%	4.39%	0.49%

Signals what changed in the call reports

Members down·Members -2.2% YoY (2%+ decline) — Losing members — growth and digital experience are top of mindEfficiency worsening·Efficiency ratio 65.9%, worse 3 quarters running — Cost pressure — automation pitches resonate, discretionary spend does not

Earlier quarters (3)

Efficiency ratio 56.5%, worse 3 quarters runningQ4 2025
Efficiency ratio 55.4%, worse 3 quarters runningQ3 2025
Shares & deposits +15.7% YoYQ2 2025

Ratio pack Q1 2026 · peer medians from 2508 institutions

Profitability

Ratio	Transport Credit Union	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.71%	0.60%	56th
Return on equity Annualized net income ÷ equity or net worth	3.8%	4.1%	48th
Net interest margin Interest income − interest expense, ÷ assets	3.83%	3.83%

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Ratio	Transport Credit Union	Peer median
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%

Ratio	Transport Credit Union	Trend (8q)	Peer median	Peer percentile
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high	00.0%		00.0%
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up	00.0%		00.0%

Ratio	Transport Credit Union	Peer median
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%

Ratio	Transport Credit Union	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%