TRANSIT
Charter #21831 · VALLEY STREAM, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.98% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.60% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 5.16% sits at the 93rd percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 38th percentile but its structural peers at the 75th — a 38-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TRANSIT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.51M | 33th pct | 31th pct |
| Members | 3,169 | 79th pct | 74th pct |
| Net worth ratio | 9.98% | 18th pct | 20th pct |
| Return on average assets | 0.60% | 47th pct | 51th pct |
| Net interest margin | 3.60% | 38th pct | 75th pct |
| Cost of funds | 0.45% | 29th pct | 36th pct |
| Loan-to-share | 12.25% | 1th pct | 15th pct |
| Delinquency 60+ days | 0.06% | 16th pct | 28th pct |
| Net charge-off ratio | 5.16% | 99th pct | 93th pct |
| Loan growth YoY | -10.98% | 5th pct | 20th pct |
| Share growth YoY | 8.23% | 92th pct | 90th pct |
| Efficiency ratio | 84.95% | 62th pct | 72th pct |
structural peer set hash: 56affb1461d94ddb6e8fd53ef9fbcdf2… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.