Federal credit union · New York, New York · NCUA charter #798
Transit Authority Division B
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $6.2M
- Total assets
- 1,448
- Members
- 13.4%
- Net-worth ratio
Transit Authority Division B - Share Insurance Coverage
Charter #798's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Transit Authority Division B - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)25
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)53
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.44% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.44% | 30% |
| Delinquency Rate | 3.01% | 25% |
| Return on Assets | 1.58% | 15% |
| Member Growth | -5.05% | 15% |
| Loan-to-Share Ratio | 21.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.2M | 1,448 |
| 2024Q4 | $6.2M | 1,525 |
| 2023Q4 | $6.3M | 1,525 |
Credit Union Details
- Charter Number
- 798
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New York
- City
- New York
- Data Quarter
- 2025Q4
What This Data Says About Transit Authority Division B
1,448 members and $6.2M in total assets sit behind Transit Authority Division B, a federal credit union in New York, New York, which posts a health score of 59/100 (Fair) on the five-factor composite, with $1.2M in outstanding loans as of Q4 2025 and a net worth ratio of 13.44% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #798 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 21.93% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 3.01% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Return on assets stands at 1.58% on net income of $98K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -5.05%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
- UTICA POLICE DEPARTMENTUTICA, NY · $2M–$10M61Health
- GRIFFITH INSTITUTE EMPLOYEESSpringville, NY · $2M–$10M80Health
- WATERTOWN POSTALWATERTOWN, NY · $2M–$10M77Health
- GENERATIONS UNITEDNew York, NY · $2M–$10M67Health
- GRAND CENTRAL TERMINAL EMPLOYEESNEW YORK, NY · $2M–$10M61Health
Compare Transit Authority Division B vs UTICA POLICE DEPARTMENT
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Transit Authority Division B financially healthy?
Transit Authority Division B scores 59/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.44% net worth ratio and a 3.01% delinquency rate.
How does Transit Authority Division B compare to other credit unions?
Transit Authority Division B scores 59/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Authority Division B?
Transit Authority Division B 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 Authority Division B directly for the exact boundaries and application steps.
Is my money safe at Transit Authority Division B?
Federal credit unions like Transit Authority Division B 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 Authority Division B's net worth ratio of 13.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Transit Authority Division B offer compared to banks?
Credit unions like Transit Authority Division B 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 Authority Division B directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.