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
- RANK 83/100
- PHOTO 10.0%
- BOOK 0.07%
- CHARTER 0.10%
- NCUSIF $17.8M
- CAMELS 3,158
- HEALTH #2,319/4,374
- NW Community Healthcare
- DELQ 21831
Call Report peers
TRANSIT in the assets neighbourhood
TRANSIT's $17.8M assets sit next to Community Healthcare ($17.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #21831. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How TRANSIT's 5300 filing moved
TRANSIT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $17.8M (2025Q4) to $18.5M (2026Q1).
- Net-worth ratio shifted -0.24 pp (10.22% → 9.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
TRANSIT's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($17.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is TRANSIT financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, TRANSIT carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,319 of 4,374; by total assets it ranks #3,220 of 4,374 nationally (same basis as /rankings/largest); and #191 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.98% net worth ratio and a 0.07% delinquency rate.
How does TRANSIT compare to other credit unions?
83/100 is TRANSIT's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like TRANSIT are 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."
What rates does TRANSIT offer compared to banks?
Credit unions like TRANSIT are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact TRANSIT directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.