State credit union · Cedar Rapids, Iowa · NCUA charter #60013
METCO
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $56.7M
- Total assets
- 3,267
- Members
- 18.2%
- Net-worth ratio
METCO scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $56.7M; members 3,267; net-worth ratio 18.20%; health rank #218 of 4,374; healthier than 93rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#218 of 4,374 health · 2025Q4METCO · health 96/100 · $56.7M · 2025Q4
- ASSETS 96/100
- MEM 18.2%
- RANK 0.18%
- PHOTO 2.39%
- BOOK $56.7M
- CHARTER 3,267
- NCUSIF #218/4,374
- CAMELS United Trades
- HEALTH 60013
Call Report peers
METCO in the assets neighbourhood
METCO's $56.7M assets sit next to United Trades ($56.7M) 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.
METCO 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
96 Top 7% higher than 93% 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
METCO - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60013 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
METCO vs $50M–$100M peers
- Largest favorable gap: Loan-to-Share Ratio at 72.68% vs peer 62.60% (+10.08 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
METCO in Iowa
- In Iowa, health place is #3 of 66 on the same NCUA-ratio sort used nationally.
- Iowa assets place: #37 of 66.
- Iowa membership ordinal: #42 of 66.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How METCO's 5300 filing moved
METCO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $56.7M (2025Q4) to $58.2M (2026Q1).
- Net-worth ratio shifted +0.09 pp (18.11% → 18.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 18.20% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 15.2 pts
METCO health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.20% | +4.58 pp |
| Delinquency Rate | 0.18% | -0.78 pp |
| Return on Assets | 2.39% | +1.73 pp |
| Member Growth | 1.46% | - |
| Loan-to-Share Ratio | 72.68% | +10.08 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 | $58.2M | - |
| 2025Q4 | $56.7M | 3,267 |
| 2024Q4 | $53.3M | 3,220 |
| 2023Q4 | $51.1M | 3,266 |
Credit Union Details
- Charter Number
- 60013
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Iowa
- City
- Cedar Rapids
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for METCO.
| Office | City |
|---|---|
| Main (Main Office) | Cedar Rapids, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Cross-state Call Report peers for METCO
Cross-state asset and health neighbours for METCO - kept outside Iowa; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($56.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- METCO ranks #218 of 4,374 nationally on financial health and #3 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- 5 Star Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with 5 Star Community
- 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 METCO financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, METCO carries a financial health score of 96/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #218 of 4,374; by total assets it ranks #2,303 of 4,374 nationally (same basis as /rankings/largest); and #37 of 66 within Iowa. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.20% net worth ratio and a 0.18% delinquency rate.
How does METCO compare to other credit unions?
On PlainCU's health composite, METCO lands at 96/100, 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 METCO?
Membership eligibility for METCO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact METCO directly for current membership requirements and application steps.
Is my money safe at METCO?
Federal credit unions like METCO 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. METCO's net worth ratio of 18.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does METCO offer compared to banks?
Credit unions like METCO 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 METCO 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.