Theresa Nielsen's crazy quilt entry was judged on general appearance and design. Nielsen also had to write a short essay on her interpretation on the GCT theme.
Participants were asked to create unique artworks no larger than 36-inches by 36-inches.
"My father was an engineer for the railroad," said Nielsen. "I love trains and I love being on trains."
Ladybug Shoppe owner Laura Harrison said she is blown away by Nielsen's quilt.
"It's jaw-dropping," said Harrison, who ordered many of the charm embellishments Nielsen used on her entry. "I have a really good feeling about her chances of winning."
On Oct. 21, Nielsen will learn if her quilt is the winner of the $2,500 grand prize.
Winners & finalists will be exhibited in the New York Transit Museum Gallery Annex & Store at Grand Central Terminal for one year.