Federal credit union · OMAHA, Nebraska · NCUA charter #7091
Metro Cu
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $617.0M
- Total assets
- 44,368
- Members
- 12.5%
- Net-worth ratio
Metro Cu scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $617.0M; members 44,368; net-worth ratio 12.54%; health rank #377 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#377 of 4,374 health · 2025Q4Metro Cu · health 95/100 · $617.0M · 2025Q4
- CAMELS 95/100
- HEALTH 12.5%
- NW 0.30%
- DELQ 0.80%
- ROA $617.0M
- ASSETS 44,368
- MEM #377/4,374
- RANK Commonwealth Central
- PHOTO 7091
Call Report peers
Metro Cu in the assets neighbourhood
Metro Cu's $617.0M assets sit next to Commonwealth Central ($617.0M) 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 Cu 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
95 Top 10% higher than 90% 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 Cu - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #7091. See our deposit-insurance coverage note.
Where Metro Cu diverges from peer averages
- Net Worth Ratio leads the peer set - 12.54% here, 11.18% peer average (+1.36 pp).
- Largest lag: Loan-to-Share Ratio at 78.62% vs peer 83.90% (-5.28 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Nebraska standing for Metro Cu
- Nebraska health ordinal: #5 of 50.
- Assets rank #3 of 50 inside Nebraska ($617.0M reported).
- Member book place in Nebraska: #3 of 50.
In-state ordinals use the live credit_unions table for NE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Metro Cu: 2025Q4 → 2026Q1
Metro Cu: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.2% from $617.0M (2025Q4) to $642.7M (2026Q1).
- Net-worth ratio shifted -0.23 pp (12.77% → 12.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.54% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.4 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.54% | +1.36 pp |
| Delinquency Rate | 0.30% | -0.57 pp |
| Return on Assets | 0.80% | +0.29 pp |
| Member Growth | 1.18% | - |
| Loan-to-Share Ratio | 78.62% | -5.28 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $642.7M | - |
| 2025Q4 | $617.0M | 44,368 |
| 2024Q4 | $580.0M | 43,849 |
| 2023Q4 | $566.1M | 44,015 |
Credit Union Details
- Charter Number
- 7091
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Nebraska
- City
- OMAHA
- Data Quarter
- 2025Q4
Branch Locations (6)
Metro Cu operates 6 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Administrative Offices (Main Office) | Omaha, NE |
| Elkhorn | Elkhorn, NE |
| F Street Office | Omaha, NE |
| Maple Street Office | Omaha, NE |
| L Street Office | Omaha, NE |
| Fontanelle | Omaha, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
More federally-insured credit unions based in Nebraska, ordered by peer group match and asset size.
Other-state peers near Metro Cu
Cross-state asset and health neighbours for Metro Cu - kept outside Nebraska; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($617.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Metro Cu ranks #377 of 4,374 nationally on financial health and #5 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Liberty First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Liberty First
- Rates and health both vary by institution, not just by state -- see how Nebraska credit unions compare overall before assuming this one is typical. Nebraska 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 Cu financially healthy?
A 12.54% net worth ratio and a 0.30% delinquency rate feed into Metro Cu's financial health score of 95/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #377 of 4,374; by total assets it ranks #673 of 4,374 nationally (same basis as /rankings/largest); and #3 of 50 within Nebraska. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Metro Cu compare to other credit unions?
Five weighted metrics from NCUA filings produce Metro Cu's 95/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 Cu?
Metro Cu 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 Cu directly for the exact boundaries and application steps.
Is my money safe at Metro Cu?
Federal credit unions like Metro Cu 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 Cu's net worth ratio of 12.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Metro Cu offer compared to banks?
Credit unions like Metro Cu 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 Cu 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.