Federal credit union · Arlington Heigh, Illinois · NCUA charter #21326
METRO
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $77.0M
- Total assets
- 3,276
- Members
- 9.5%
- Net-worth ratio
METRO scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $77.0M; members 3,276; net-worth ratio 9.46%; health rank #1,157 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,157 of 4,374 health · 2025Q4METRO · health 90/100 · $77.0M · 2025Q4
- NCUSIF 90/100
- CAMELS 9.5%
- HEALTH 0.55%
- NW 0.87%
- DELQ $77.0M
- ROA 3,276
- ASSETS #1,157/4,374
- MEM Eaton Family
- RANK 21326
Call Report peers
METRO in the assets neighbourhood
METRO's $77.0M assets sit next to Eaton Family ($77.0M) 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.
METRO 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
90 Top 27% higher than 73% 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
METRO - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #21326. See our deposit-insurance coverage note.
METRO: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.55% vs peer 0.96% (-0.42 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.16 pp (9.46% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where METRO sits in Illinois
- Health composite ranks #41 of 192 among scored Illinois credit unions.
- By total assets, METRO is #58 of 192 in Illinois.
- Member book place in Illinois: #83 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
METRO Call Report trajectory
METRO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $77.0M (2025Q4) to $78.7M (2026Q1).
- Net-worth ratio shifted -0.02 pp (9.48% → 9.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 28.7 pts
- Delinquency Rate 24.5 pts
- Return on Assets 15.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 12.1 pts
METRO health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.46% | -4.16 pp |
| Delinquency Rate | 0.55% | -0.42 pp |
| Return on Assets | 0.87% | +0.22 pp |
| Member Growth | 0.58% | - |
| Loan-to-Share Ratio | 58.97% | -3.63 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).
Call Report history - METRO
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $78.7M | - |
| 2025Q4 | $77.0M | 3,276 |
| 2024Q4 | $69.7M | 3,257 |
| 2023Q4 | $66.7M | 3,244 |
Credit Union Details
- Charter Number
- 21326
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Illinois
- City
- Arlington Heigh
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, METRO runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Arlington Heights, IL |
| CO-OP Network | Tampa, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near METRO
METRO's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($77.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- METRO ranks #1,157 of 4,374 nationally on financial health and #41 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Midwest Coalition of Labor is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Midwest Coalition of Labor
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 METRO financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, METRO carries a financial health score of 90/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,157 of 4,374; by total assets it ranks #2,048 of 4,374 nationally (same basis as /rankings/largest); and #58 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.46% net worth ratio and a 0.55% delinquency rate.
How does METRO compare to other credit unions?
Five weighted metrics from NCUA filings produce METRO's 90/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 METRO?
METRO 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 METRO directly for the exact boundaries and application steps.
Is my money safe at METRO?
Federal credit unions like METRO 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. METRO's net worth ratio of 9.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does METRO offer compared to banks?
Credit unions like METRO 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 METRO 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.