Federal credit union · Alexandria, Virginia · NCUA charter #3140
Transportation
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $356.1M
- Total assets
- 15,756
- Members
- 9.4%
- Net-worth ratio
Transportation - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #3140, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Transportation - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)95
- Asset quality (delinquency)84
- Earnings (ROA)88
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.43%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.43% | 30% |
| Delinquency Rate | 0.89% | 25% |
| Return on Assets | 0.38% | 15% |
| Member Growth | 8.30% | 15% |
| Loan-to-Share Ratio | 79.87% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $356.1M | 15,756 |
| 2024Q4 | $306.3M | 14,548 |
| 2023Q4 | $270.4M | 14,371 |
Credit Union Details
- Charter Number
- 3140
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- Alexandria
- Data Quarter
- 2025Q4
What This Data Says About Transportation
Transportation is a federal credit union headquartered in Alexandria, Virginia, serving 15,756 members with $356.1M in total assets and $257.1M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 93/100 (Excellent), anchored by a net worth ratio of 9.43% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #3140 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
0.89% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 79.87% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.38% on net income of $1.3M 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 8.30%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Multiple Common Bond) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, 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 Transportation financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - Transportation's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.43% net worth ratio and 0.89% delinquency rate are the key drivers.
How does Transportation compare to other credit unions?
On PlainCU's health composite, Transportation lands at 93/100, compared to a peer group average for $100M–$500M 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 Transportation?
Transportation serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Transportation directly for the current list of qualifying groups.
Is my money safe at Transportation?
Federal credit unions like Transportation 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. Transportation's net worth ratio of 9.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Transportation offer compared to banks?
Credit unions like Transportation 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 Transportation 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.