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Overview / Commentary
1200 New Jersey Ave SE West Wing, 1st Floor
Washington, DC 20590-0001

Transportation Credit Union is headquartered in Washington and is the 7th largest credit union in the District of Columbia. It is also the 950th largest credit union in the nation. It was established in 1939 and as of March of 2014, it had grown to 49 employees and 18,916 members. Transportation Credit Union has a A health rating.

Field of Membership Restrictions

Must be an active or retired employee, military personnel, contractor, and other related occupational group affiliated with the U.S. Department of Transportation and the Federal Aviation Administration (Washington, D.C.). - See Details

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Special 3-Year CD Rate at Transportation Federal Credit Union in DC - 2/21/2014

Transportation Federal Credit Union is celebrating its 75-year anniversary with a special CD that it calls the Diamond Anniversary Share Certificate. It has a 2.00% APY with a 3-year term. Minimum dep ...

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Transportation Credit Union had $549,000 in non-current loans and owned real-estate with $20.22 million in equity and loan loss allowances on hand to cover it. This gives Transportation Credit Union a Texas Ratio of 2.72% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Transportation Credit Union experienced no significant changes from 2.06% as of March 31, 2013 to 2.72% as of March 31, 2014, resulting in a negative change of 31.70%. This indicates that the balance sheet and financial strength for Transportation Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Transportation Credit Union has increased its total deposits by $2.99 million, resulting in 1.74% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Transportation Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Transportation Credit Union has $196.44 million in assets with $20.22 million in equity, resulting in a capitalization level of 10.29%, which is above average.

Institution Statistics

NCUA #3140
Year Chartered1939
Primary Regulator
Assets and Liabilities
Assets$196.44 million
Loans$100.68 million
Deposits$174.54 million
Equity Capital$19.42 million
Loan Loss Allowance$804,000
Unbacked Noncurrent Loans$549,000
Real Estate Owned$0
Historic Data - March 2013
Assets$192.89 million
Equity Capital$17.80 million
Loan Loss Allowance$1.02 million
Unbacked Noncurrent Loans$549,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.36%
Return on Assets0.4%
Return on Equity4.04%
Interest Income$1.61 million

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Transportation Credit Union Savings Account Rates

0.20%$25-IRA Share Account
0.20%$25-Roth IRA Share Account
0.20%$25-CESA Share Account
0.10%--Regular Savings Account
0.10%--Club Account
0.05%--Life Savings Account

Transportation Credit Union Money Market Rates

0.35%$50k-Money Market Account

Transportation Credit Union Checking Account Rates

0.05%--Convenience Checking
0.05%--On the Move Checking

Transportation Credit Union CD Rates

1.66%$100k-5 Year Jumbo CD
1.56%$1k-5 Year CD
1.46%$100k-4 Year Jumbo CD
1.36%$1k-4 Year CD
1.10%$100k-3 Year Jumbo CD
1.00%$1k-3 Year CD
0.85%$100k-2 Year Jumbo CD
0.75%$1k-2 Year CD
0.60%$100k-1 Year Jumbo CD
0.50%$1k-1 Year CD
0.40%$1k-6 Month Money Market CD
0.30%$250-6 Month Affordable CD
0.20%$25-12 Month First Step CD

Transportation Credit Union IRA Rates

1.91%$100k-5 Year Jumbo Traditional IRA
1.81%$1k-5 Year Traditional IRA
1.71%$100k-4 Year Jumbo Traditional IRA
1.61%$1k-4 Year Traditional IRA
1.36%$100k-3 Year Jumbo Traditional IRA
1.26%$1k-3 Year Traditional IRA
1.10%$100k-2 Year Jumbo Traditional IRA
1.00%$1k-2 Year Traditional IRA
0.85%$100k-1 Year Jumbo Traditional IRA
0.75%$1k-1 Year Traditional IRA

Transportation Credit Union Locations
Branch Office1200 New Jersey Ave SE West Wing, 1st FloorWashington, DC 20590-0001