Federal credit union · PHILADELPHIA, Pennsylvania · NCUA charter #17885
Transit Workers
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $14.5M
- Total assets
- 3,654
- Members
- 10.5%
- Net-worth ratio
Transit Workers scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.5M; members 3,654; net-worth ratio 10.49%; health rank #4,203 of 4,374; healthier than 4th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,203 of 4,374 health · 2025Q4Transit Workers · health 54/100 · $14.5M · 2025Q4
- DELQ 54/100
- ROA 10.5%
- ASSETS 1.82%
- MEM -3.16%
- RANK $14.5M
- PHOTO 3,654
- BOOK #4,203/4,374
- CHARTER PROFINANCE
- NCUSIF 17885
Call Report peers
Transit Workers in the assets neighbourhood
Transit Workers's $14.5M assets sit next to PROFINANCE ($14.4M) 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 Workers 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
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 Workers - Share Insurance Coverage
Charter #17885'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.
Where Transit Workers diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -14.88 pp (44.92% 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.
Transit Workers: in-state Call Report ranks
- In Pennsylvania, health place is #262 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #188 of 275.
- Pennsylvania membership ordinal: #125 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Transit Workers's 5300 filing moved
Transit Workers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $14.5M (2025Q4) to $14.6M (2026Q1).
- Net-worth ratio shifted -0.46 pp (10.95% → 10.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.49% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 54/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 54.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.8 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.2 pts
Transit Workers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.49% | -4.37 pp |
| Delinquency Rate | 1.82% | +0.68 pp |
| Return on Assets | -3.16% | -3.87 pp |
| Member Growth | -5.14% | - |
| Loan-to-Share Ratio | 44.92% | -14.88 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).
Call Report history - Transit Workers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.6M | - |
| 2025Q4 | $14.5M | 3,654 |
| 2024Q4 | $16.0M | 3,852 |
| 2023Q4 | $18.0M | 4,048 |
Credit Union Details
- Charter Number
- 17885
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- PHILADELPHIA
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Transit Workers, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| TRANSIT WORKERS FCU MAIN OFFICE (Main Office) | Philadelphia, PA |
| Compu Source | AMHERST, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Transit Workers nationwide neighbourhoods
Two NCUA Call Report peer sets for Transit Workers, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (54/100 here).
Using this data
- Transit Workers ranks #4,203 of 4,374 nationally on financial health and #262 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Castle Bellco is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Castle Bellco
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 Workers financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Transit Workers carries a financial health score of 54/100 (Fair). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,203 of 4,374; by total assets it ranks #3,340 of 4,374 nationally (same basis as /rankings/largest); and #188 of 275 within Pennsylvania. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.49% net worth ratio and a 1.82% delinquency rate.
How does Transit Workers compare to other credit unions?
On PlainCU's health composite, Transit Workers lands at 54/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Workers?
Transit Workers 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 Workers directly for the exact boundaries and application steps.
Is my money safe at Transit Workers?
Federal credit unions like Transit Workers 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 Workers's net worth ratio of 10.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Transit Workers offer compared to banks?
Credit unions like Transit Workers 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 Workers 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.