Federal credit union · Greenbelt, Maryland · NCUA charter #3764
Transit Employees
Health score 55/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $93.4M
- Total assets
- 10,391
- Members
- 9.8%
- Net-worth ratio
Transit Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3764. See our deposit-insurance coverage note.
Transit Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)99
- Asset quality (delinquency)43
- Earnings (ROA)0
- Member growth23
- Liquidity (loan-to-share)75
Weighted composite: 55/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.82% 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 | 9.82% | 30% |
| Delinquency Rate | 2.30% | 25% |
| Return on Assets | -0.84% | 15% |
| Member Growth | -3.05% | 15% |
| Loan-to-Share Ratio | 53.04% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $93.4M | 10,391 |
| 2024Q4 | $96.5M | 10,718 |
| 2023Q4 | $94.5M | 11,338 |
Credit Union Details
- Charter Number
- 3764
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Maryland
- City
- Greenbelt
- Data Quarter
- 2025Q4
What This Data Says About Transit Employees
10,391 members and $93.4M in total assets sit behind Transit Employees, a federal credit union in Greenbelt, Maryland, which posts a health score of 55/100 (Fair) on the five-factor composite, with $40.5M in outstanding loans as of Q4 2025 and a net worth ratio of 9.82% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #3764 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Two more numbers round out the picture: a 2.30% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers - and a 53.04% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.84% on net income of $-786097 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 -3.05%. 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 Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
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 Employees financially healthy?
Transit Employees scores 55/100 (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 9.82% net worth ratio and a 2.30% delinquency rate.
How does Transit Employees compare to other credit unions?
55/100 is Transit Employees's score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Employees?
Transit Employees 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 Employees directly for the exact boundaries and application steps.
Is my money safe at Transit Employees?
Federal credit unions like Transit Employees 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 Employees's net worth ratio of 9.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Transit Employees offer compared to banks?
Credit unions like Transit Employees 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 Employees 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.