State credit union · Springfield, Missouri · NCUA charter #61840
METRO
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $121.6M
- Total assets
- 9,259
- Members
- 12.7%
- Net-worth ratio
METRO scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $121.6M; members 9,259; net-worth ratio 12.74%; health rank #1,635 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,635 of 4,374 health · 2025Q4METRO · health 87/100 · $121.6M · 2025Q4
Call Report peers
METRO in the assets neighbourhood
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
METRO sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 12.74% vs peer 12.11% (+0.63 pp).
- Loan-to-Share Ratio trails the peer set - 69.66% here, 72.20% peer average (-2.54 pp).
Where METRO sits in Missouri
- In Missouri, health place is #39 of 89 on the same NCUA-ratio sort used nationally.
- Missouri assets place: #27 of 89.
- Membership ranks #30 of 89 among Missouri CUs with a reported count (9,259 members).
- One place up in Missouri, Independence Teachers (#38) ties at 87/100; one place down, Dexter Public Schools (#40) ties at 87/100.
How METRO's 5300 filing moved
METRO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $121.6M (2025Q4) to $122.5M (2026Q1).
- Net-worth ratio shifted +0.06 pp (12.68% → 12.74%).
At 12.74%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
METRO gives up 13 points in total. Member Growth costs the most, 8.7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.3 pts
- Return on Assets 15.0 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for METRO
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.74% | +0.63 pp |
| Delinquency Rate | 0.97% | +0.08 pp |
| Return on Assets | 0.87% | +0.25 pp |
| Member Growth | -1.49% | - |
| Loan-to-Share Ratio | 69.66% | -2.54 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - METRO
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $122.5M | - |
| 2025Q4 | $121.6M | 9,259 |
| 2024Q4 | $111.5M | 9,399 |
| 2023Q4 | $107.2M | 9,522 |
Credit Union Details
- Charter Number
- 61840
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Missouri
- City
- Springfield
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, METRO runs 2 offices.
| Office | City |
|---|---|
| Metro Credit Union (Main Office) | Springfield, MO |
| Metro Credit Union | Springfield, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
A look at other Missouri credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- METRO ranks #1,635 of 4,374 nationally on financial health and #39 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RIVERWAYS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RIVERWAYS
Frequently Asked Questions
Is METRO financially healthy?
On its 2025Q4 NCUA 5300 filing, METRO scores 87/100 (Excellent), with a 12.74% net worth ratio and 0.97% of loans delinquent. It ranks #1,635 of 4,374 nationally on health and #39 of 89 in Missouri.
How does METRO compare to other credit unions?
METRO scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (12.74% vs 12.11%). Its widest shortfall is loan-to-share ratio (69.66% vs 72.20%).
How can I join METRO?
Membership eligibility for METRO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact METRO directly for current membership requirements and application steps.
Is my money safe at METRO?
METRO 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. METRO's net worth ratio of 12.74% 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.