Credit union · NCUA insured
Transit Operations Federal Credit Union
A $4M credit union headquartered in Minneapolis, MN, with 643 members and 1 branch in Minnesota. Best rates: savings 0.10% APY.
Transit Operations Federal Credit Union Carrot Score
64
Carrot Score
Higher than 10% of U.S. banks and credit unions
#85 of 97 in Minneapolis, MN-WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Transit Operations Federal Credit Union
Since 1936, Transit Operations Federal Credit Union has operated as a member-owned, not-for-profit financial institution and certified minority depository.
- Headquarters
- 725 N 7th St, Minneapolis, MN 55411
- NCUA charter
- 24539
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of Amalgamated Transit Union Local #1005 are eligible for membership.
- Employees of the St. Paul Greyhound Bus Depot are eligible for membership.
- Employees of the North Oaks Golf Club are eligible for membership.
- Members of TMSA are eligible for membership.
Military, government and schools
- Employees of the Transportation Division of the Metropolitan Council, St Paul, MN are eligible for membership.
Family and household
- Immediate family members of individuals eligible for membership are eligible to join.
2 more ways to join
Family and household
- Household members are welcome to join.
Other ways
- Retirees who are pensioners or annuitants of qualifying employer groups or associations are eligible for membership.
Branches
1 branch in Minnesota
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Minnesota
1 branch
- MainMain office725 N 7th St, Minneapolis, MN 55411Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.41% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 4.10% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.32% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $33 | $59 | — |
- CapitalNet worth ratio16.41%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late4.10%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.32%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$33Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Transit Operations Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.