TRANSIT OPERATIONS
Charter #24539 · MINNEAPOLIS, MN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.28% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 4.29% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 10.94% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 105.65% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 20th — a 30-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 OPERATIONS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.00M | 50th pct | 20th pct |
| Members | 643 | 55th pct | 36th pct |
| Net worth ratio | 17.04% | 49th pct | 56th pct |
| Return on average assets | -0.28% | 27th pct | 25th pct |
| Net interest margin | 4.24% | 55th pct | 57th pct |
| Cost of funds | 0.39% | 43th pct | 39th pct |
| Loan-to-share | 33.50% | 22th pct | 21th pct |
| Delinquency 60+ days | 4.29% | 84th pct | 89th pct |
| Net charge-off ratio | 10.94% | 99th pct | 98th pct |
| Loan growth YoY | -19.37% | 7th pct | 7th pct |
| Share growth YoY | 3.14% | 71th pct | 66th pct |
| Efficiency ratio | 105.65% | 78th pct | 80th pct |
structural peer set hash: 38d489d1c18610d346a23c07491e50ec… (reproducible)
Closest structural peers
This is the free public view
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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.