Federal credit union · JACKSONVILLE, Florida · NCUA charter #9441
Metro North
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $21.8M
- Total assets
- 1,277
- Members
- 16.7%
- Net-worth ratio
Metro North scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.8M; members 1,277; net-worth ratio 16.71%; health rank #2,223 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,223 of 4,374 health · 2025Q4Metro North · health 83/100 · $21.8M · 2025Q4
Call Report peers
Metro North in the assets neighbourhood
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Metro North vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Metro North sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Metro North
- Largest favorable gap: Net Worth Ratio at 16.71% vs peer 14.86% (+1.85 pp).
- Largest lag: Loan-to-Share Ratio at 47.40% vs peer 59.80% (-12.40 pp).
Where Metro North sits in Florida
- Health composite ranks #70 of 109 among scored Florida credit unions.
- Assets rank #97 of 109 inside Florida ($21.8M reported).
- Florida membership ordinal: #100 of 109.
- One place up in Florida, Hialeah Municipal Employees (#69) ties at 83/100; one place down, HELLO (#71) ties at 83/100.
Quarter path for Metro North
Metro North: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.9% from $21.8M (2025Q4) to $21.6M (2026Q1).
- Net-worth ratio shifted +0.24 pp (16.47% → 16.71%).
This credit union's 16.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Metro North gives up 17 points in total. Member Growth costs the most, 11.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 9.9 pts
Metro North vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.71% | +1.85 pp |
| Delinquency Rate | 0.04% | -1.10 pp |
| Return on Assets | 0.77% | +0.06 pp |
| Member Growth | -3.26% | - |
| Loan-to-Share Ratio | 47.40% | -12.40 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Metro North
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.6M | - |
| 2025Q4 | $21.8M | 1,277 |
| 2024Q4 | $21.7M | 1,320 |
| 2023Q4 | $21.5M | 1,332 |
Credit Union Details
- Charter Number
- 9441
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Florida
- City
- JACKSONVILLE
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Metro North, spread across 2 cities.
| Office | City |
|---|---|
| Metro North FCU (Main Office) | jacksonville, FL |
| Farmers FCU | Jacksonville, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Metro North ranks #2,223 of 4,374 nationally on financial health and #70 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FARMERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FARMERS
Frequently Asked Questions
Is Metro North financially healthy?
On its 2025Q4 NCUA 5300 filing, Metro North scores 83/100 (Excellent), with a 16.71% net worth ratio and 0.04% of loans delinquent. It ranks #2,223 of 4,374 nationally on health and #70 of 109 in Florida.
How does Metro North compare to other credit unions?
Metro North scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (16.71% vs 14.86%). Its widest shortfall is loan-to-share ratio (47.40% vs 59.80%).
How can I join Metro North?
Metro North 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 North directly for the exact boundaries and application steps.
Is my money safe at Metro North?
Metro North is a federal 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 North's net worth ratio of 16.71% 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.