Credit Union Safety Analysis
Is Transit Federal Credit Union Safe? Ozone Park, New York
Based on its Q2 2026 NCUA 5300 call report, Transit Federal Credit Union has a net worth ratio of 10.00%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.22%, 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 Federal Credit Union's net worth ratio is 10.00%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.00%
- Delinquency ratio (60+ days) (Q2 2026): 0.22%
- Return on assets (Q2 2026): 1.12%
- Loan-to-share ratio (Q2 2026): 11.92%
Transit Federal Credit Union (NCUA charter 21831, established 1974) reported $19.0M in assets and 3,204 members for Q2 2026 from Ozone Park, New York. It ranks 188 of 267 credit unions in New York by total assets. Total assets grew 4.5% from $18.2M on June 30, 2025. It has 94 more members than on June 30, 2025 (+3.0%). Its net worth ratio was up 0.31 percentage points from 9.69% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $1.8M of $2.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.22% is below 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: 9.98% for Q1 2026; 9.69% 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: 0.06% for Q1 2026; 0.14% 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: 0.59% for Q1 2026; 0.44% 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: 12.25% for Q1 2026; 13.01% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $1.8M
- Used vehicle loans: $129K
- New vehicle loans: $88K
- Other secured non-real estate loans and lines of credit: $25K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $19.0M | 10.00% | 0.22% | 1.12% | 11.92% |
| March 31, 2026 | $18.5M | 9.98% | 0.06% | 0.59% | 12.25% |
| December 31, 2025 | $17.8M | 10.22% | 0.07% | 0.66% | 13.78% |
| September 30, 2025 | $17.2M | 10.42% | 0.14% | 0.66% | 14.89% |
| June 30, 2025 | $18.2M | 9.69% | 0.14% | 0.44% | 13.01% |
| March 31, 2025 | $17.7M | 9.84% | 0.07% | -0.27% | 13.55% |
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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 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 21831) · FFIEC NIC profile (RSSD 108586)
Frequently asked questions
Is Transit Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Transit Federal Credit Union's net worth ratio is 10.00%, above the 7% NCUA threshold for well capitalized.
Is Transit Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Transit Federal Credit Union is a federally insured credit union (NCUA charter 21831): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Transit Federal Credit Union's key safety ratios?
For Q2 2026, Transit Federal Credit Union reports net worth 10.00%, delinquency 0.22%, ROA 1.12%, loan-to-share 11.92%.
What happens to my money if Transit Federal Credit Union fails?
For Q2 2026, Transit Federal Credit Union held $17.1M in shares and deposits for 3,204 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.