Federal credit union · MINNEAPOLIS, Minnesota · NCUA charter #24539
Transit Operations
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $3.9M
- Total assets
- 641
- Members
- 17.0%
- Net-worth ratio
Transit Operations scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.9M; members 641; net-worth ratio 17.04%; health rank #4,199 of 4,374; healthier than 4th of scored peers.
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NCUA 5300 Call Report Masthead
#4,199 of 4,374 health · 2025Q4Transit Operations · health 54/100 · $3.9M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Transit Operations vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Transit Operations sits in 50-54 with 82 others.
54 4th percentile higher than 4% 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 Operations vs $2M–$10M peers
- Largest lag: Loan-to-Share Ratio at 41.05% vs peer 63.60% (-22.55 pp).
Where Transit Operations sits in Minnesota
- Health composite ranks #82 of 82 among scored Minnesota credit unions.
- By total assets, Transit Operations is #79 of 82 in Minnesota.
- Member book place in Minnesota: #76 of 82.
- No scored Minnesota credit union ranks lower; the next one up, Danfoss Employees (#81) scores 63/100, 9 points higher.
How Transit Operations's 5300 filing moved
Transit Operations: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $3.9M (2025Q4) to $4.0M (2026Q1).
- Net-worth ratio shifted -0.60 pp (17.64% → 17.04%).
This credit union's 17.04% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 54/100 score is built
Transit Operations gives up 46 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 13.8 pts
- Member Growth 1.0 pts
- Loan-to-Share Ratio 9.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.04% | -2.02 pp |
| Delinquency Rate | 6.48% | +4.67 pp |
| Return on Assets | 0.42% | -0.03 pp |
| Member Growth | -4.47% | - |
| Loan-to-Share Ratio | 41.05% | -22.55 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Transit Operations
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.0M | - |
| 2025Q4 | $3.9M | 641 |
| 2024Q4 | $3.9M | 671 |
| 2023Q4 | $4.2M | 628 |
Credit Union Details
- Charter Number
- 24539
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Minnesota
- City
- MINNEAPOLIS
- Data Quarter
- 2025Q4
Branch Location
Transit Operations operates a single office in MINNEAPOLIS, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN (Main Office) | MINNEAPOLIS, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
Cross-state Call Report peers for Transit Operations
Similar health score
Using this data
- Transit Operations ranks #4,199 of 4,374 nationally on financial health and #82 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fairmont School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fairmont School Employees
Frequently Asked Questions
Is Transit Operations financially healthy?
On its 2025Q4 NCUA 5300 filing, Transit Operations scores 54/100 (Fair), with a 17.04% net worth ratio and 6.48% of loans delinquent. It ranks #4,199 of 4,374 nationally on health and #82 of 82 in Minnesota.
How does Transit Operations compare to other credit unions?
Transit Operations scores 54/100, higher than 4% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (41.05% vs 63.60%).
How can I join Transit Operations?
Transit Operations 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 Operations directly for the exact boundaries and application steps.
Is my money safe at Transit Operations?
Transit Operations 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 Operations's net worth ratio of 17.04% 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.