TRANSIT AUTHORITY DIVISION B
Charter #798 · New York, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.37% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.04% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 4.28% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.39% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 44th — a 32-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 AUTHORITY DIVISION B | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.06M | 72th pct | 41th pct |
| Members | 1,461 | 93th pct | 67th pct |
| Net worth ratio | 13.99% | 32th pct | 38th pct |
| Return on average assets | 0.74% | 63th pct | 57th pct |
| Net interest margin | 4.37% | 60th pct | 89th pct |
| Cost of funds | 0.04% | 15th pct | 15th pct |
| Loan-to-share | 21.64% | 12th pct | 44th pct |
| Delinquency 60+ days | 4.28% | 84th pct | 90th pct |
| Net charge-off ratio | -0.39% | 8th pct | 7th pct |
| Loan growth YoY | -6.50% | 42th pct | 44th pct |
| Share growth YoY | -1.74% | 36th pct | 34th pct |
| Efficiency ratio | 84.12% | 47th pct | 54th pct |
structural peer set hash: 37c0fcc8e6b1a18ca6b8224c495d1563… (reproducible)
Closest structural peers
This is the free public view
Claim TRANSIT AUTHORITY DIVISION B
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.