Federal credit union · Kenilworth, New Jersey · NCUA charter #14172
METREX
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $3.6M
- Total assets
- 405
- Members
- 35.7%
- Net-worth ratio
METREX scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.6M; members 405; net-worth ratio 35.66%; health rank #3,307 of 4,374; healthier than 23rd of scored peers.
5300 filing masthead
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
METREX vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); METREX sits in 70-74 with 317 others.
74 23rd percentile higher than 23% 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
METREX: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 126.84% here, 63.60% peer average (+63.24 pp).
Where METREX sits in New Jersey
- In New Jersey, health place is #62 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #111 of 127 inside New Jersey ($3.6M reported).
- Member book place in New Jersey: #113 of 127.
- One place up in New Jersey, 1166 (#61) scores 75/100, 1 point higher; one place down, P S E (#63) ties at 74/100.
METREX: 2025Q4 → 2026Q1
METREX: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $3.6M (2025Q4) to $3.7M (2026Q1).
- Net-worth ratio shifted -0.91 pp (36.57% → 35.66%).
35.66% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
METREX gives up 26 points in total. Loan-to-Share Ratio costs the most, 14.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 15.0 pts
- Member Growth 4.2 pts
- Loan-to-Share Ratio 0.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 35.66% | +16.60 pp |
| Delinquency Rate | 0.56% | -1.25 pp |
| Return on Assets | 1.11% | +0.65 pp |
| Member Growth | -2.64% | - |
| Loan-to-Share Ratio | 126.84% | +63.24 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - METREX
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.7M | - |
| 2025Q4 | $3.6M | 405 |
| 2024Q4 | $3.7M | 416 |
| 2023Q4 | $4.0M | 465 |
Credit Union Details
- Charter Number
- 14172
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- Kenilworth
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for METREX.
| Office | City |
|---|---|
| Metrex Federal Credit Union (Main Office) | Kenilworth, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
METREX nationwide neighbourhoods
Similar health score
Using this data
- METREX ranks #3,307 of 4,374 nationally on financial health and #62 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bayonne City Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bayonne City Employees
Frequently Asked Questions
Is METREX financially healthy?
On its 2025Q4 NCUA 5300 filing, METREX scores 74/100 (Very Good), with a 35.66% net worth ratio and 0.56% of loans delinquent. It ranks #3,307 of 4,374 nationally on health and #62 of 127 in New Jersey.
How does METREX compare to other credit unions?
METREX scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (126.84% vs 63.60%).
How can I join METREX?
METREX 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 METREX directly for the exact boundaries and application steps.
Is my money safe at METREX?
METREX 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. METREX's net worth ratio of 35.66% 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.