State credit union · Chelsea, Massachusetts · NCUA charter #66364
METRO
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $3.30B
- Total assets
- 213,040
- Members
- 9.1%
- Net-worth ratio
METRO scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.30B; members 213,040; net-worth ratio 9.08%; health rank #2,177 of 4,374; healthier than 50th of scored peers.
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NCUA 5300 Call Report Masthead
#2,177 of 4,374 health · 2025Q4METRO · health 84/100 · $3.30B · 2025Q4
Call Report peers
METRO in the assets neighbourhood
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METRO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); METRO sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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
Peer-gap read for METRO
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +20.67 pp (104.57% vs 83.90%).
- Largest lag: Net Worth Ratio at 9.08% vs peer 11.18% (-2.10 pp).
Massachusetts standing for METRO
- Health composite ranks #64 of 126 among scored Massachusetts credit unions.
- By total assets, METRO is #3 of 126 in Massachusetts.
- Membership ranks #2 of 126 among Massachusetts CUs with a reported count (213,040 members).
- One place up in Massachusetts, Sharon & Crescent United (#63) ties at 84/100; one place down, MANCHESTER (#65) scores 83/100, 1 point lower.
METRO: 2025Q4 → 2026Q1
METRO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.1% from $3.30B (2025Q4) to $3.30B (2026Q1).
- Net-worth ratio shifted +0.06 pp (9.02% → 9.08%).
This credit union's 9.08% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
METRO gives up 16 points in total. Loan-to-Share Ratio costs the most, 6.2 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 27.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.2 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 9.2 pts
METRO health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.08% | -2.10 pp |
| Delinquency Rate | 0.25% | -0.63 pp |
| Return on Assets | 0.25% | -0.26 pp |
| Member Growth | 1.54% | - |
| Loan-to-Share Ratio | 104.57% | +20.67 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
METRO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.30B | - |
| 2025Q4 | $3.30B | 213,040 |
| 2024Q4 | $3.44B | 209,799 |
| 2023Q4 | $3.41B | 207,444 |
Credit Union Details
- Charter Number
- 66364
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Chelsea
- Data Quarter
- 2025Q4
Branch Locations (18)
The NCUA branch filing lists 18 physical offices for METRO, spread across 14 cities.
| Office | City |
|---|---|
| Chelsea (Main Office) | Chelsea, MA |
| Comm Ave | Boston, MA |
| Mass Ave | Boston, MA |
| Dorchester | Boston, MA |
| Burlington | Burlington, MA |
| Broadway | Chelsea, MA |
| Framingham | Framingham, MA |
| Lawrence | Lawrence, MA |
| Lynn | Lynn, MA |
| Medford | Medford, MA |
| Melrose | Melrose, MA |
| Newton | Newton, MA |
| Peabody | Peabody, MA |
| Peabody - Andover Street | Peabody, MA |
| Reading | Reading, MA |
| Salem | Salem, MA |
| Tewksbury | Tewksbury, MA |
| West Roxbury | West Roxbury, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Cross-state Call Report peers for METRO
Using this data
- METRO ranks #2,177 of 4,374 nationally on financial health and #64 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ROCKLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ROCKLAND
Frequently Asked Questions
Is METRO financially healthy?
METRO has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,177 of 4,374 nationally on health and #64 of 126 in Massachusetts. Its net worth ratio is 9.08% and its delinquency rate 0.25%.
How does METRO compare to other credit unions?
METRO scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (104.57% vs 83.90%). Its widest shortfall is net worth ratio (9.08% vs 11.18%).
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 9.08% 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.