TellerScore

Headquartered in Valley Stream, New York, Transit Federal Credit Union is a federal credit union with $19.0M in total assets and $17.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1974.

Transit Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than only 49% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 108th. Funding & liquidity contributes the most (100/100, 12% loans-to-deposits, 0% uninsured); capital cushion contributes the least (50/100, 10.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Net worth ratio: 10.00%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.22%
Earnings54/100
Return on assets (annualized): 0.84%
Funding & liquidity100/100
Loans ÷ shares: 11.9% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.24%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (68 → 74), mostly because the earnings component improved by 30 points.

TellerScore
667074Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202474
Q4 202470
Q1 202566
Q2 202568
Q3 202571
Q4 202572
Q1 202673
Q2 202674
Net worth ratio
7.00%8.97%10.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.14%
Q3 202410.94%
Q4 202410.33%
Q1 20259.84%
Q2 20259.69%
Q3 202510.42%
Q4 202510.22%
Q1 20269.98%
Q2 202610.00%
Delinquent loans (60+ days)
0.01%0.12%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.11%
Q3 20240.01%
Q4 20240.10%
Q1 20250.07%
Q2 20250.14%
Q3 20250.14%
Q4 20250.07%
Q1 20260.06%
Q2 20260.22%
Return on assets
-0.27%0.29%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.03%
Q3 20240.30%
Q4 20240.10%
Q1 2025-0.27%
Q2 20250.09%
Q3 20250.28%
Q4 20250.37%
Q1 20260.59%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$19.0M10.00%0.22%0.84%11.9%
Q1 202673$18.5M9.98%0.06%0.59%12.2%
Q4 202572$17.8M10.22%0.07%0.37%13.8%
Q3 202571$17.2M10.42%0.14%0.28%14.9%
Q2 202568$18.2M9.69%0.14%0.09%13.0%
Q1 202566$17.7M9.84%0.07%-0.27%13.5%
Q4 202470$17.2M10.33%0.10%0.10%14.6%
Q3 202474$16.7M10.94%0.01%0.30%15.2%
Q2 202468$17.9M10.14%0.11%-0.03%13.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.00%
16th
Problem loans0.22%
73rd
Net charge-offs2.64%
4th
Return on assets0.84%
60th
Loans to deposits11.9%
98th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.2%
80th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Local 41 I.B.E.W. Federal Credit UnionCredit union Orchard Park, NY88 out of 100, Very strong$19.4M12.4%0.00%vs
Syracuse Postal Federal Credit UnionCredit union Syracuse, NY58 out of 100, Moderate$18.6M7.6%0.00%vs
Nym Federal Credit UnionCredit union Brooklyn, NY81 out of 100, Strong$19.5M16.4%0.81%vs
Kaleida Health Federal Credit UnionCredit union Buffalo, NY90 out of 100, Very strong$19.8M17.7%0.10%vs
Fasny Federal Credit UnionCredit union Albany, NY67 out of 100, Moderate$17.9M11.6%0.49%vs
Crouse Federal Credit UnionCredit union Syracuse, NY71 out of 100, Strong$20.2M10.0%0.09%vs

Deposit insurance

Is my money safe at Transit Federal Credit Union?

Yes. Transit Federal Credit Union is a federally insured credit union (NCUA charter #21831). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.00%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Transit Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Transit Federal Credit Union
Type
Federal credit union
NCUA charter #
21831
RSSD ID
108586
Primary regulator
NCUA
Established
1974
Headquarters
20 N Central Ave Fl 3, Valley Stream, NY 11580
Employees
6

Quick answers

Transit Federal Credit Union: common questions

Is Transit Federal Credit Union NCUA insured?

Yes. Transit Federal Credit Union is a federally insured credit union (NCUA charter #21831). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Transit Federal Credit Union's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Transit Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Valley Stream

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs