Transit Workers

PHILADELPHIA, PA · 1 · Charter #17885 · www.twfcu.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
$14.5M
52th percentile
Members
3,654
92th percentile
Total loans
$5.9M
48th percentile
Total shares
$13.0M
55th percentile

Profitability

Return on assets
-1.43%
4th percentile
Net interest margin
4.57%
71th percentile
Efficiency ratio
110.02%
4th percentile
Non-interest income ratio
32.87%
95th percentile

Capital & Risk

Net worth ratio
10.95%
22th percentile
Delinquency rate
1.82%
27th percentile
Net charge-off rate
2.42%
5th percentile
Loan-to-share
44.92%
28th percentile

Growth

Member growth YoY
-5.14%
17th percentile
Asset growth YoY
-9.76%
5th percentile
Loan growth YoY
-7.16%
33th percentile
Share growth YoY
-6.49%
16th percentile

Operations

Members / branch
3,654
96th percentile
Assets / member
$3,956
11th percentile
Field of membership penetration
50.00%
66th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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