State credit union · Des Moines, Iowa · NCUA charter #64380
Des Moines Metro
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $73.4M
- Total assets
- 7,010
- Members
- 9.6%
- Net-worth ratio
Des Moines Metro - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64380 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Des Moines Metro - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)96
- Asset quality (delinquency)87
- Earnings (ROA)100
- Member growth51
- Liquidity (loan-to-share)88
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.57% | 30% |
| Delinquency Rate | 0.83% | 25% |
| Return on Assets | 0.67% | 15% |
| Member Growth | -0.78% | 15% |
| Loan-to-Share Ratio | 61.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $73.4M | 7,010 |
| 2024Q4 | $70.3M | 7,065 |
| 2023Q4 | $69.3M | 7,011 |
Credit Union Details
- Charter Number
- 64380
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Iowa
- City
- Des Moines
- Data Quarter
- 2025Q4
What This Data Says About Des Moines Metro
The five-factor composite scores Des Moines Metro at 86/100 (Excellent), reflecting a net worth ratio of 9.57% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Des Moines, Iowa, reports 7,010 members, $73.4M in total assets, and $39.1M in outstanding loans as of Q4 2025 under charter #64380 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.83% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. The loan-to-share ratio of 61.93% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.67% on net income of $490K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.78%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Iowa
A look at other Iowa credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Des Moines Metro financially healthy?
A 9.57% net worth ratio and a 0.83% delinquency rate feed into Des Moines Metro's financial health score of 86/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Des Moines Metro compare to other credit unions?
Five weighted metrics from NCUA filings produce Des Moines Metro's 86/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Des Moines Metro?
Membership eligibility for Des Moines Metro depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Des Moines Metro directly for current membership requirements and application steps.
Is my money safe at Des Moines Metro?
Federal credit unions like Des Moines Metro are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Des Moines Metro's net worth ratio of 9.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Des Moines Metro offer compared to banks?
Credit unions like Des Moines Metro are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Des Moines Metro directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.