Federal credit union · PHILADELPHIA, Pennsylvania · NCUA charter #17885
Transit Workers
Health score 54/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $14.5M
- Total assets
- 3,654
- Members
- 11.0%
- Net-worth ratio
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.
Transit Workers - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)55
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)67
Weighted composite: 54/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.95% | 30% |
| Delinquency Rate | 1.82% | 25% |
| Return on Assets | -3.16% | 15% |
| Member Growth | -5.14% | 15% |
| Loan-to-Share Ratio | 44.92% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Transit Workers
Charter #17885, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Transit Workers, a federal credit union in PHILADELPHIA, Pennsylvania with 3,654 members, $14.5M in total assets, and $5.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 54/100 (Fair), helped by a net worth ratio of 10.95% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 1.82% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Meanwhile a 44.92% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -3.16% on net income of $-457299 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 -5.14%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, 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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.95% 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 10.95% 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.
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.