Credit Union Safety Analysis
Is Transit Authority Division B Federal Credit Union Safe? New York, New York
Based on its Q2 2026 NCUA 5300 call report, Transit Authority Division B Federal Credit Union has a net worth ratio of 14.08%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 6.97%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Transit Authority Division B Federal Credit Union's net worth ratio is 14.08%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.08%
- Delinquency ratio (60+ days) (Q2 2026): 6.97%
- Return on assets (Q2 2026): 0.55%
- Loan-to-share ratio (Q2 2026): 21.38%
Transit Authority Division B Federal Credit Union (NCUA charter 798, established 1935) reported $6.1M in assets and 1,451 members for Q2 2026 from New York, New York. It ranks 224 of 267 credit unions in New York by total assets. Total assets fell 1.4% from $6.2M on June 30, 2025. It has 74 fewer members than on June 30, 2025 (-4.9%). Its net worth ratio was up 1.13 percentage points from 12.95% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $632K of $1.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 6.97% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 13.99% for Q1 2026; 12.95% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 4.28% for Q1 2026; 4.72% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.75% for Q1 2026; 1.94% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 21.64% for Q1 2026; 23.37% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $632K
- Other secured non-real estate loans and lines of credit: $262K
- Used vehicle loans: $150K
- New vehicle loans: $62K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.1M | 14.08% | 6.97% | 0.55% | 21.38% |
| March 31, 2026 | $6.1M | 13.99% | 4.28% | 0.75% | 21.64% |
| December 31, 2025 | $6.2M | 13.44% | 3.01% | 1.53% | 21.93% |
| September 30, 2025 | $6.1M | 13.31% | 0.69% | 0.94% | 22.75% |
| June 30, 2025 | $6.2M | 12.95% | 4.72% | 1.94% | 23.37% |
| March 31, 2025 | $6.3M | 12.24% | 1.49% | 3.60% | 24.08% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Transit Authority Division B Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 798) · FFIEC NIC profile (RSSD 804178)
Frequently asked questions
Is Transit Authority Division B Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Transit Authority Division B Federal Credit Union's net worth ratio is 14.08%, above the 7% NCUA threshold for well capitalized.
Is Transit Authority Division B Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Transit Authority Division B Federal Credit Union is a federally insured credit union (NCUA charter 798): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Transit Authority Division B Federal Credit Union's key safety ratios?
For Q2 2026, Transit Authority Division B Federal Credit Union reports net worth 14.08%, delinquency 6.97%, ROA 0.55%, loan-to-share 21.38%.
What happens to my money if Transit Authority Division B Federal Credit Union fails?
For Q2 2026, Transit Authority Division B Federal Credit Union held $5.2M in shares and deposits for 1,451 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.