State credit union · Cedar Rapids, Iowa · NCUA charter #60013
Metco
Health score 96/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $56.7M
- Total assets
- 3,267
- Members
- 14.8%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth72
- Liquidity (loan-to-share)100
Weighted composite: 96/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.76% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.76% | 30% |
| Delinquency Rate | 0.18% | 25% |
| Return on Assets | 2.39% | 15% |
| Member Growth | 1.46% | 15% |
| Loan-to-Share Ratio | 72.68% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Metco
Headquartered in Cedar Rapids, Iowa, Metco is a state credit union with 3,267 members, $56.7M in total assets, and $33.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 96/100 (Excellent), driven in part by a net worth ratio of 14.76% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #60013 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Two more numbers round out the picture: a 0.18% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers - and a 72.68% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 2.39% on net income of $1.4M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.46%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.76% 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 14.76% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.