Federal credit union · Houston, Texas · NCUA charter #24324
Met Tran
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $10.8M
- Total assets
- 2,795
- Members
- 14.7%
- Net-worth ratio
Met Tran scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.8M; members 2,795; net-worth ratio 14.70%; health rank #155 of 4,374; healthier than 95th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#155 of 4,374 health · 2025Q4Met Tran · health 97/100 · $10.8M · 2025Q4
Call Report peers
Met Tran in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Met Tran vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Met Tran sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Met Tran
- Loan-to-Share Ratio leads the peer set - 70.56% here, 59.80% peer average (+10.76 pp).
- Net Worth Ratio trails the peer set - 14.70% here, 14.86% peer average (-0.16 pp).
Met Tran in Texas
- In Texas, health place is #13 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #302 of 386 inside Texas ($10.8M reported).
- Texas membership ordinal: #223 of 386.
- One place up in Texas, Abilene Teachers (#12) ties at 97/100; one place down, DUGOOD (#14) ties at 97/100.
Quarter path for Met Tran
Met Tran: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $10.8M (2025Q4) to $11.0M (2026Q1).
- Net-worth ratio shifted -0.32 pp (15.02% → 14.70%).
At 14.70%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 97/100 score is built
Met Tran gives up 3 points in total. Member Growth costs the most, 2.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.5 pts
- Loan-to-Share Ratio 14.5 pts
Met Tran health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.70% | -0.16 pp |
| Delinquency Rate | 0.21% | -0.94 pp |
| Return on Assets | 0.80% | +0.09 pp |
| Member Growth | 2.91% | - |
| Loan-to-Share Ratio | 70.56% | +10.76 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Met Tran filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.0M | - |
| 2025Q4 | $10.8M | 2,795 |
| 2024Q4 | $11.1M | 2,716 |
| 2023Q4 | $10.7M | 2,487 |
Credit Union Details
- Charter Number
- 24324
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Location
Met Tran operates a single office in Houston, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Met Tran Federal Credit Union (Main Office) | Houston, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Met Tran nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Met Tran ranks #155 of 4,374 nationally on financial health and #13 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hale County Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hale County Teachers
Frequently Asked Questions
Is Met Tran financially healthy?
Met Tran has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #155 of 4,374 nationally on health and #13 of 386 in Texas. Its net worth ratio is 14.70% and its delinquency rate 0.21%.
How does Met Tran compare to other credit unions?
Met Tran scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (70.56% vs 59.80%). Its widest shortfall is net worth ratio (14.70% vs 14.86%).
How can I join Met Tran?
Met Tran 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 Met Tran directly for the exact boundaries and application steps.
Is my money safe at Met Tran?
Met Tran 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. Met Tran's net worth ratio of 14.70% 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.