Federal credit union · Melville, New York · NCUA charter #20857
Metro Realtors
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $11.1M
- Total assets
- 1,621
- Members
- 10.0%
- Net-worth ratio
Metro Realtors scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.1M; members 1,621; net-worth ratio 10.03%; health rank #4,116 of 4,374; healthier than 6th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,116 of 4,374 health · 2025Q4Metro Realtors · health 58/100 · $11.1M · 2025Q4
- ROA 58/100
- ASSETS 10.0%
- MEM 1.99%
- RANK -1.97%
- PHOTO $11.1M
- BOOK 1,621
- CHARTER #4,116/4,374
- NCUSIF CHA-TEL
- CAMELS 20857
Call Report peers
Metro Realtors in the assets neighbourhood
Metro Realtors's $11.1M assets sit next to CHA-TEL ($11.1M) 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 Realtors 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
58 6th percentile higher than 6% 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 Realtors - Share Insurance Coverage
Charter #20857's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Metro Realtors diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 88.48% here, 59.80% peer average (+28.68 pp).
- Largest lag: Net Worth Ratio at 10.03% vs peer 14.86% (-4.83 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Metro Realtors in New York
- New York health ordinal: #251 of 272.
- By total assets, Metro Realtors is #208 of 272 in New York.
- New York membership ordinal: #191 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Metro Realtors's 5300 filing moved
Metro Realtors: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $11.1M (2025Q4) to $11.1M (2026Q1).
- Net-worth ratio shifted -0.75 pp (10.78% → 10.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 58/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 58.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.5 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.5 pts
Metro Realtors vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.03% | -4.83 pp |
| Delinquency Rate | 1.99% | +0.85 pp |
| Return on Assets | -1.97% | -2.68 pp |
| Member Growth | -9.19% | - |
| Loan-to-Share Ratio | 88.48% | +28.68 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Metro Realtors filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.1M | - |
| 2025Q4 | $11.1M | 1,621 |
| 2024Q4 | $12.4M | 1,785 |
| 2023Q4 | $15.0M | 1,918 |
Credit Union Details
- Charter Number
- 20857
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Melville
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Metro Realtors.
| Office | City |
|---|---|
| Metro Realtors Federal Credit Union (Main Office) | Melville, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Other-state peers near Metro Realtors
Cross-state asset and health neighbours for Metro Realtors - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (58/100 here).
Using this data
- Metro Realtors ranks #4,116 of 4,374 nationally on financial health and #251 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WILLIAMSVILLE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WILLIAMSVILLE
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 Realtors financially healthy?
A 10.03% net worth ratio and a 1.99% delinquency rate feed into Metro Realtors's financial health score of 58/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,116 of 4,374; by total assets it ranks #3,504 of 4,374 nationally (same basis as /rankings/largest); and #208 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Metro Realtors compare to other credit unions?
58/100 is Metro Realtors'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 Realtors?
Metro Realtors 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 Realtors directly for the exact boundaries and application steps.
Is my money safe at Metro Realtors?
Federal credit unions like Metro Realtors 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 Realtors's net worth ratio of 10.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Metro Realtors offer compared to banks?
Credit unions like Metro Realtors 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 Realtors 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.