Federal credit union · Huntington, West Virginia · NCUA charter #8791
Metro Community
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $48.5M
- Total assets
- 4,600
- Members
- 9.4%
- Net-worth ratio
Metro Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #8791: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Metro Community - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)95
- Asset quality (delinquency)25
- Earnings (ROA)100
- Member growth39
- Liquidity (loan-to-share)88
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.40% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.40% | 30% |
| Delinquency Rate | 3.00% | 25% |
| Return on Assets | 0.83% | 15% |
| Member Growth | -1.75% | 15% |
| Loan-to-Share Ratio | 62.29% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $48.5M | 4,600 |
| 2024Q4 | $44.9M | 4,682 |
| 2023Q4 | $42.6M | 4,345 |
Credit Union Details
- Charter Number
- 8791
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Huntington
- Data Quarter
- 2025Q4
What This Data Says About Metro Community
Headquartered in Huntington, West Virginia, Metro Community is a federal credit union with 4,600 members, $48.5M in total assets, and $27.1M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 69/100 (Good), driven in part by a net worth ratio of 9.40% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #8791 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 3.00% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 62.29% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.83% on net income of $400K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.75%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in West Virginia
More federally-insured credit unions based in West Virginia, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Metro Community financially healthy?
Metro Community has a financial health score of 69/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.40% and delinquency rate of 3.00%.
How does Metro Community compare to other credit unions?
69/100 is Metro Community's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Community?
Metro Community 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 Community directly for the exact boundaries and application steps.
Is my money safe at Metro Community?
Federal credit unions like Metro Community 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 Community's net worth ratio of 9.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Metro Community offer compared to banks?
Credit unions like Metro Community 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 Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.