Transit Operations

MINNEAPOLIS, MN · 1 · Charter #24539 · www.tofcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$3.9M
20th percentile
Members
641
23th percentile
Total loans
$1.3M
17th percentile
Total shares
$3.2M
21th percentile

Profitability

Return on assets
0.14%
21th percentile
Net interest margin
4.65%
74th percentile
Efficiency ratio
91.49%
11th percentile
Non-interest income ratio
11.57%
58th percentile

Capital & Risk

Net worth ratio
17.64%
64th percentile
Delinquency rate
6.48%
5th percentile
Net charge-off rate
1.04%
17th percentile
Loan-to-share
41.05%
23th percentile

Growth

Member growth YoY
-4.47%
20th percentile
Asset growth YoY
0.17%
43th percentile
Loan growth YoY
-13.82%
14th percentile
Share growth YoY
1.17%
54th percentile

Operations

Members / branch
214
9th percentile
Assets / member
$6,057
24th percentile
Field of membership penetration
42.73%
58th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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