Federal credit union · LONG ISLAND CIT, New York · NCUA charter #20382
Greater Metro
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $76.7M
- Total assets
- 3,867
- Members
- 11.5%
- Net-worth ratio
Greater Metro scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $76.7M; members 3,867; net-worth ratio 11.49%; health rank #4,062 of 4,374; healthier than 7th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,062 of 4,374 health · 2025Q4Greater Metro · health 60/100 · $76.7M · 2025Q4
Call Report peers
Greater Metro in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Greater Metro vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Greater Metro sits in 60-64 with 179 others.
60 7th percentile higher than 7% 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
Peer-gap read for Greater Metro
- Widest shortfall vs peers is Loan-to-Share Ratio: -32.70 pp (29.90% vs 62.60%).
Greater Metro: in-state Call Report ranks
- New York health ordinal: #244 of 272.
- By total assets, Greater Metro is #105 of 272 in New York.
- Member book place in New York: #119 of 272.
- One place up in New York, Coxsackie Correctional Emp. (#243) ties at 60/100; one place down, Division 726 (#245) scores 59/100, 1 point lower.
Greater Metro Call Report trajectory
Greater Metro: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $76.7M (2025Q4) to $77.9M (2026Q1).
- Net-worth ratio shifted -0.13 pp (11.62% → 11.49%).
This credit union's 11.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 60/100 score is built
Greater Metro gives up 40 points in total. Delinquency Rate costs the most, 14.4 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.6 pts
- Return on Assets 2.2 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 9.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.49% | -2.13 pp |
| Delinquency Rate | 2.30% | +1.34 pp |
| Return on Assets | -0.25% | -0.91 pp |
| Member Growth | -0.51% | - |
| Loan-to-Share Ratio | 29.90% | -32.70 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $77.9M | - |
| 2025Q4 | $76.7M | 3,867 |
| 2024Q4 | $79.6M | 3,887 |
| 2023Q4 | $86.2M | 4,041 |
Credit Union Details
- Charter Number
- 20382
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- LONG ISLAND CIT
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Greater Metro runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Long Island City, NY |
| VA Office | New York, NY |
| The Finest FCU | New York, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Greater Metro nationwide neighbourhoods
Similar total assets
Using this data
- Greater Metro ranks #4,062 of 4,374 nationally on financial health and #244 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Empire One is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Empire One
Frequently Asked Questions
Is Greater Metro financially healthy?
Greater Metro has a financial health score of 60/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,062 of 4,374 nationally on health and #244 of 272 in New York. Its net worth ratio is 11.49% and its delinquency rate 2.30%.
How does Greater Metro compare to other credit unions?
Greater Metro scores 60/100, higher than 7% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (29.90% vs 62.60%).
How can I join Greater Metro?
Greater Metro operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Greater Metro directly for the exact boundaries and application steps.
Is my money safe at Greater Metro?
Greater Metro is a federal credit union; its shares are federally 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. Greater Metro's net worth ratio of 11.49% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.