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
Call Report peers
METCO in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); METCO sits in 95-99 with 391 others.
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 vs $50M–$100M peers
- Largest favorable gap: Loan-to-Share Ratio at 72.68% vs peer 62.60% (+10.08 pp).
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.
- One place up in Iowa, Dupaco Community (#2) scores 97/100, 1 point higher; one place down, Community Choice (#4) ties at 96/100.
How METCO's 5300 filing moved
METCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $56.7M (2025Q4) to $58.2M (2026Q1).
- Net-worth ratio shifted +0.09 pp (18.11% → 18.20%).
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
METCO gives up 4 points in total. Member Growth costs the most, 4.2 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 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is METCO financially healthy?
On its 2025Q4 NCUA 5300 filing, METCO scores 96/100 (Excellent), with a 18.20% net worth ratio and 0.18% of loans delinquent. It ranks #218 of 4,374 nationally on health and #3 of 66 in Iowa.
How does METCO compare to other credit unions?
METCO scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (72.68% vs 62.60%).
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?
METCO is a state-chartered 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. METCO's net worth ratio of 18.20% 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.