# TRANSIT EMPLOYEES
Greenbelt, MD · NCUA charter 3764 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/transit-employees-3764

Who the members are: federal charter, multiple common bond, organized 1940, low-income designated, minority depository institution. 12,406 members of 65,000 potential (19.1% of the field); checking penetration 29% (share draft accounts per 100 members); loans per 100 members 103.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $94.6M |
| Members | 12,406 (15.2% YoY) |
| Full-time staff | 22 |
| Net worth | $18.1M |
| Net worth ratio | 19.1% (p88 of band) |
| ROA (annualized) | -0.22% (p10 of band) |
| Total delinquency | 0.94% (p70 of band) |
| Net charge-offs (annualized) | 0.58% (p76 of band) |
| Loans / shares | 50% (p31 of band) |
| Cash / assets | 9.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.13% (p22 of band) |
| Operating expense / assets | 5.25% (p90 of band) |
| Vehicles % of loans | 15% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 1% (p55 of band) |
| Vehicle delinquency | 4.63% (p98 of band) |
| Vehicle NCO | 0.09% (p42 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 27% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 24% |
| Average share balance | $4,123 |
| Participations bought / yr | $193,668 |
| Participations sold / yr | $0 |
| Participations outstanding | $9.3M |
| Loans outstanding per 100 members | 103% |
| Loans granted per 100 members, annualized | 47% |
| Average loan balance | $3,075 |
| Loans granted, annualized | $6.5M |

## Participation posture (from the same filings)

Bought $193,668 and sold $0 in the latest annualized quarter; $9.3M outstanding purchased (51.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -4.7% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | losing money, expense trap, delinquency 2x band, charge-offs p90, auto monoline |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 6 | assets shrinking, members leaving, loan book shrinking | losing money, auto monoline |
| 2017-06 | 6 | margin squeeze | assets shrinking |
| 2017-09 | 4 |  | loan book shrinking, margin squeeze |
| 2017-12 | 3 |  | members leaving |
| 2018-03 | 6 | losing money, margin squeeze, members leaving |  |
| 2018-06 | 4 |  | delinquency 2x band, losing money |
| 2018-09 | 5 | delinquency 2x band |  |
| 2018-12 | 4 |  | delinquency 2x band |
| 2019-03 | 3 | net worth falling | charge-offs p90, margin squeeze |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 1 |  | members leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 4 | net worth falling, margin squeeze |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 6 | delinquency 2x band, delinquency rising |  |
| 2021-09 | 5 | members leaving | net worth falling, margin squeeze |
| 2021-12 | 3 |  | delinquency 2x band, members leaving |
| 2022-03 | 4 | delinquency 2x band |  |
| 2022-06 | 4 | assets shrinking | delinquency rising |
| 2022-09 | 3 |  | delinquency 2x band |
| 2022-12 | 3 | delinquency 2x band, delinquency rising | expense trap, losing money |
| 2023-03 | 6 | losing money, expense trap, charge-offs p90 |  |
| 2023-06 | 4 |  | delinquency 2x band, delinquency rising |
| 2023-09 | 5 | loan book shrinking |  |
| 2023-12 | 7 | delinquency 2x band, members leaving |  |
| 2024-03 | 7 | net worth falling | delinquency 2x band |
| 2024-06 | 6 |  | loan book shrinking |
| 2024-09 | 5 |  | assets shrinking |
| 2024-12 | 5 |  |  |
| 2025-03 | 3 |  | losing money, charge-offs p90 |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 5 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2026-03 | 3 | losing money | expense trap, members leaving, delinquency 2x band |

## In the news (Google News, unfiltered, newest first; check the city)

- 2014-10-01 [Federal Credit Union Building Dedicated to Longtime Board Me... - afro.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQSE1fajJjZ2RrZF95YnE0REdrbjNIUC05dTZ3Z1YyMFdiTllDaXIxTmNZYm9vSjJSNGhXWmx1dXZqWnU4MWVZcWVyWjNaU3BfRjdiSm9EVDFQc1JlZ2JuVldVZTZ3YWZ4Q1VCZmlTbHFQOVlhNXVrVFNVYmlXNDd5VTZBaXlvdU1XZV9nM3g0SlJ3aWNyX3hUaTUwVU1FSWIyQlcxM284YTZnclNBMnc?oc=5) · afro.com
- 2024-12-31 [36 Black-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2dKWjVxQ3RoR1BRQi0xZG5sYWowMmFaaF9xWUxVTkZiYlMtTGlTcGgtcGxCZldrMHd2VEQzOWFDNjFUMFVtM1lkNHFEc1gzYU1zMWdVTm1NNk1UWlpESUdBalRXZ3ZMSlNkX0x0ZHB4cVcybF9TN1R0b1NxZVh4TEhReEJ1SVg2dU5TY0tpTnhIdw?oc=5) · businessinsider.com
- 2017-06-19 [DC Area Office Park Lands New Leases - CommercialSearch](https://news.google.com/rss/articles/CBMigAFBVV95cUxPSGpLQUZwMV9IdXljdV9fUnhYekVVc0NXdGJEMXF5b3pwRTZvODZobFF1XzhmeFNfQVVrNm5Xa2VyQ0xKWkp0NEl6dW5vSzVWb3NqWkFmV1pST3IzejFyOUQtTVNieGw0UjcyZjZ5c3VkZEdUSjBMZXBNS0hPN2Zzdw?oc=5) · CommercialSearch
- 2023-11-06 [All the Black-owned banks in America and why you should support them - Face2Face Africa](https://news.google.com/rss/articles/CBMipwFBVV95cUxPek1SYVR4cm5TclNJT0tEQ1MyZ3JUa1hMQTVPU1JxV3B6TXN2bFFZeHVTaTU5ZmVLWFoxb255R2p0WDE1eTlkd2xfU3J6QmZodDRlVHRJdXhhaVI2NkRoR3NuQk9jNjRuVUJudUdFN0o4bjBlbms2UUQyVTg4eUowenEtcEdxMHFnZzVWRFQ2bmw2RzRVRjNWeGFqQ3pfa1FPZVQ4Nzkxdw?oc=5) · Face2Face Africa
- 2017-06-20 [Major Companies Sign Big Leases In Greenbelt Office Park - Patch](https://news.google.com/rss/articles/CBMijwFBVV95cUxNQzJSUUhveGRBTXdMWnpsVExiMjVCdTJGM1F3THBENzR0aGJCTHhLLVYyNU5JTEJ5MkEyQjdZYkhQQ09zMnJTY2tJaFpWR1diQkl0X3BPSmdKS3BOa3hWMXFwSFVhUFQ3bkJBaEF3MTE5MDY0cFh3UExpZVNGLWVQUlVUUXJ3ektBbnVrOTF6QQ?oc=5) · Patch
- 2024-12-31 [Best Savings Accounts With Debit Cards: Convenient Access to Your Funds - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQVmUxbThudjB5dkdkNWkxZ2wtT0Z6eTRONGRpOHVEZkd4QWlpdG5Jcy1rVXpBRy1fV1p4Vk9fQVlUeWFab1ZVai02azFldlNHZzE3dWk1VDhWTXhBTXV2UHVxaFZCZWc4TjJmRW5mOWpWQU1TNHU5aUdaM3Y3OFdxSzh5TnA3NWdrQ3JtdzlfcTVxUQ?oc=5) · businessinsider.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3764 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/52.json (key "3764", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=3764
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide