TellerScore

Transportation Federal Credit Union is a federal credit union headquartered in Alexandria, Virginia, in business for about 87 years. At the end of Q2 2026 it reported $345.6M in total assets and $310.4M in member shares and deposits, with 3 offices across 3 states.

Based on its Q2 2026 filing, Transportation Federal Credit Union scores 60/100, which we describe as moderate. That is higher than only 21% of 1,341 credit unions with $100 million – $1 billion. Among 95 credit unions headquartered in Virginia, it ranks 67th. Its strongest component is problem-loan coverage (87/100; 6.5%), and its lowest is earnings (37/100; 0.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.94%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.86%
Earnings37/100
Return on assets (annualized): 0.43%
Funding & liquidity79/100
Loans ÷ shares: 81.6% · 4.4% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.50%

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 fell 3 points (63 → 60), mostly because the funding & liquidity component weakened by 9 points.

TellerScore
586368Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202466
Q4 202467
Q1 202563
Q2 202563
Q3 202561
Q4 202558
Q1 202659
Q2 202660
Net worth ratio
7.00%8.95%10.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.89%
Q3 202410.82%
Q4 202410.65%
Q1 20259.81%
Q2 20259.72%
Q3 20259.65%
Q4 20259.43%
Q1 20269.62%
Q2 20269.94%
Delinquent loans (60+ days)
0.56%0.73%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.60%
Q3 20240.65%
Q4 20240.59%
Q1 20250.56%
Q2 20250.66%
Q3 20250.74%
Q4 20250.89%
Q1 20260.75%
Q2 20260.86%
Return on assets
0.23%0.36%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.49%
Q4 20240.44%
Q1 20250.23%
Q2 20250.32%
Q3 20250.30%
Q4 20250.27%
Q1 20260.28%
Q2 20260.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$345.6M9.94%0.86%0.43%81.6%
Q1 202659$351.9M9.62%0.75%0.28%82.1%
Q4 202558$356.1M9.43%0.89%0.27%79.9%
Q3 202561$346.2M9.65%0.74%0.30%72.5%
Q2 202563$341.2M9.72%0.66%0.32%72.3%
Q1 202563$334.4M9.81%0.56%0.23%70.9%
Q4 202467$306.3M10.65%0.59%0.44%75.1%
Q3 202466$299.0M10.82%0.65%0.49%78.7%
Q2 202468$293.7M10.89%0.60%0.48%75.2%

1,341 peers · $100 million – $1 billion

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 ratio9.94%
27th
Problem loans0.86%
38th
Net charge-offs0.70%
20th
Return on assets0.43%
26th
Loans to deposits81.6%
36th
Uninsured deposits4.4%
67th
Loan-loss reserves0.00%
50th
Texas ratio6.5%
28th

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Deposit insurance

Is my money safe at Transportation Federal Credit Union?

Yes. Transportation Federal Credit Union is a federally insured credit union (NCUA charter #3140). 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 4.4% of shares and deposits ($13.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.94%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Transportation Federal Credit Union lists 3 offices in 3 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Transportation Federal Credit Union reported 306 home-loan applications under HMDA (LEI 254900UD8AEXTVCVAF72): 202 originated ($18,180,000 total), 64 denied, and 36 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Transportation Federal Credit Union
Type
Federal credit union
NCUA charter #
3140
RSSD ID
524775
Primary regulator
NCUA
Established
1939
Headquarters
P.O.Box 25947, Alexandria, VA 22313
Employees
53

Quick answers

Transportation Federal Credit Union: common questions

Is Transportation Federal Credit Union NCUA insured?

Yes. Transportation Federal Credit Union is a federally insured credit union (NCUA charter #3140). 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 Transportation Federal Credit Union's TellerScore?

60 out of 100 (Moderate), 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 Transportation Federal Credit Union have?

3 offices as of the latest NCUA data, in 3 states.

Nearby

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