PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Transit Operations

Minneapolis, MN · Charter 24539

NCUA · 1 branch

Q2 2026

$4.1MAssets
$1.1MLoans
$3.4MShares
$676KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.31%, down 38 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 4.10% of loans (-459 bps YoY).
  • Capital: net worth / assets of 16.41%, down 241 bps from a year ago.
  • Funding: loans stand at 32.79% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.31%-38 bps YoY

Net Interest Margin (quarter, annualized)

3.80%-92 bps YoY

Efficiency Ratio (quarter, annualized)

106.99%+851 bps YoY

Net Worth / Assets

16.41%-241 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.08%-0.70%-0.28%-0.31%-38 bps
Return on Equity0.35%0.41%-3.97%-1.62%-1.89%-224 bps
Net Interest Margin4.73%4.57%4.65%4.17%3.80%-92 bps
Efficiency Ratio98.48%96.97%97.38%105.65%106.99%+851 bps
Growth
Asset Growth (YoY)-0.40%-3.04%0.17%-0.95%8.11%+851 bps
Loan Growth (YoY)-20.20%-14.70%-13.82%-21.45%-17.61%+259 bps
Share Growth (YoY)-0.82%-3.73%1.17%-0.26%11.33%+1,215 bps
Asset Quality
Delinquent Loans / Loans8.69%8.01%6.48%4.29%4.10%-459 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.82%18.24%17.64%17.04%16.41%-241 bps
Net Worth / Assets18.82%18.24%17.64%17.04%16.41%-241 bps
Liquidity & Funding
Loans / Shares44.31%42.85%41.05%33.50%32.79%-1,152 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps