State credit union · Des Moines, Iowa · NCUA charter #64380
Des Moines Metro
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $73.4M
- Total assets
- 7,010
- Members
- 12.8%
- Net-worth ratio
Des Moines Metro scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $73.4M; members 7,010; net-worth ratio 12.76%; health rank #1,633 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,633 of 4,374 health · 2025Q4Des Moines Metro · health 87/100 · $73.4M · 2025Q4
- RANK 87/100
- PHOTO 12.8%
- BOOK 0.83%
- CHARTER 0.67%
- NCUSIF $73.4M
- CAMELS 7,010
- HEALTH #1,633/4,374
- NW New England Teamsters
- DELQ 64380
Call Report peers
Des Moines Metro in the assets neighbourhood
Des Moines Metro's $73.4M assets sit next to New England Teamsters ($73.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Des Moines Metro vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.13 pp (0.83% vs 0.96%).
- Net Worth Ratio trails the peer set - 12.76% here, 13.62% peer average (-0.86 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Des Moines Metro sits in Iowa
- Iowa health ordinal: #28 of 66.
- Iowa assets place: #35 of 66.
- Membership ranks #28 of 66 among Iowa CUs with a reported count (7,010 members).
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Des Moines Metro
Des Moines Metro: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $73.4M (2025Q4) to $75.0M (2026Q1).
- Net-worth ratio shifted +0.02 pp (12.74% → 12.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.7 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 12.7 pts
Des Moines Metro vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.76% | -0.86 pp |
| Delinquency Rate | 0.83% | -0.13 pp |
| Return on Assets | 0.67% | +0.01 pp |
| Member Growth | -0.78% | - |
| Loan-to-Share Ratio | 61.93% | -0.67 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Des Moines Metro filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $75.0M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Des Moines Metro runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Des Moines, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Des Moines Metro nationwide neighbourhoods
Cross-state asset and health neighbours for Des Moines Metro - kept outside Iowa; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($73.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Des Moines Metro ranks #1,633 of 4,374 nationally on financial health and #28 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lennox Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lennox Employees
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Des Moines Metro financially healthy?
A 12.76% net worth ratio and a 0.83% delinquency rate feed into Des Moines Metro's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,633 of 4,374; by total assets it ranks #2,094 of 4,374 nationally (same basis as /rankings/largest); and #35 of 66 within Iowa. 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 87/100 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 12.76% 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.
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.