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
- DELQ 60/100
- ROA 11.5%
- ASSETS 2.30%
- MEM -0.25%
- RANK $76.7M
- PHOTO 3,867
- BOOK #4,062/4,374
- CHARTER Rails West
- NCUSIF 20382
Call Report peers
Greater Metro in the assets neighbourhood
Greater Metro's $76.7M assets sit next to Rails West ($76.6M) 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.
Greater 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
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
Greater Metro - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #20382. See our deposit-insurance coverage note.
Peer-gap read for Greater Metro
- Widest shortfall vs peers is Loan-to-Share Ratio: -32.70 pp (29.90% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Greater Metro Call Report trajectory
Greater Metro: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $76.7M (2025Q4) to $77.9M (2026Q1).
- Net-worth ratio shifted -0.13 pp (11.62% → 11.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- 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 |
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).
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
Greater Metro's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($76.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 Greater Metro financially healthy?
Greater Metro has a financial health score of 60/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,062 of 4,374; by total assets it ranks #2,051 of 4,374 nationally (same basis as /rankings/largest); and #105 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.49% and delinquency rate of 2.30%.
How does Greater Metro compare to other credit unions?
On PlainCU's health composite, Greater Metro lands at 60/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Greater 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. Greater Metro's net worth ratio of 11.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Greater Metro offer compared to banks?
Credit unions like Greater 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 Greater 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.