Federal credit union · VALLEY STREAM, New York · NCUA charter #21831
TRANSIT
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $17.8M
- Total assets
- 3,158
- Members
- 10.0%
- Net-worth ratio
TRANSIT scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.8M; members 3,158; net-worth ratio 9.98%; health rank #2,319 of 4,374; healthier than 46th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,319 of 4,374 health · 2025Q4TRANSIT · health 83/100 · $17.8M · 2025Q4
Call Report peers
TRANSIT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TRANSIT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TRANSIT sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
TRANSIT: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -1.08 pp (0.07% vs 1.15%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -46.02 pp (13.78% vs 59.80%).
New York standing for TRANSIT
- Health composite ranks #129 of 272 among scored New York credit unions.
- Assets rank #191 of 272 inside New York ($17.8M reported).
- Membership ranks #139 of 272 among New York CUs with a reported count (3,158 members).
- One place up in New York, ULSTER (#128) ties at 83/100; one place down, AMERICU (#130) ties at 83/100.
How TRANSIT's 5300 filing moved
TRANSIT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $17.8M (2025Q4) to $18.5M (2026Q1).
- Net-worth ratio shifted -0.24 pp (10.22% → 9.98%).
This credit union's 9.98% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
TRANSIT gives up 17 points in total. Loan-to-Share Ratio costs the most, 7.8 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.0 pts
- Member Growth 12.2 pts
- Loan-to-Share Ratio 6.8 pts
TRANSIT health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.98% | -4.88 pp |
| Delinquency Rate | 0.07% | -1.08 pp |
| Return on Assets | 0.10% | -0.61 pp |
| Member Growth | 2.70% | - |
| Loan-to-Share Ratio | 13.78% | -46.02 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.5M | - |
| 2025Q4 | $17.8M | 3,158 |
| 2024Q4 | $17.2M | 3,075 |
| 2023Q4 | $17.0M | 3,112 |
Credit Union Details
- Charter Number
- 21831
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- VALLEY STREAM
- Data Quarter
- 2025Q4
Branch Locations (2)
TRANSIT operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| TRANSIT FEDERAL CREDIT UNION (Main Office) | VALLEY STREAM, NY |
| COMPUSOURCE SYSTEMS | AMHERST, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- TRANSIT ranks #2,319 of 4,374 nationally on financial health and #129 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cattaraugus County Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cattaraugus County Employees
Frequently Asked Questions
Is TRANSIT financially healthy?
On its 2025Q4 NCUA 5300 filing, TRANSIT scores 83/100 (Excellent), with a 9.98% net worth ratio and 0.07% of loans delinquent. It ranks #2,319 of 4,374 nationally on health and #129 of 272 in New York.
How does TRANSIT compare to other credit unions?
TRANSIT scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.07% vs 1.15%). Its widest shortfall is loan-to-share ratio (13.78% vs 59.80%).
How can I join TRANSIT?
TRANSIT operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact TRANSIT directly for the exact boundaries and application steps.
Is my money safe at TRANSIT?
TRANSIT is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. TRANSIT's net worth ratio of 9.98% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.