Federal credit union · SUFFOLK, Virginia · NCUA charter #5970
Metropolitan Church
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $12.6M
- Total assets
- 1,913
- Members
- 26.3%
- Net-worth ratio
Metropolitan Church scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.6M; members 1,913; net-worth ratio 26.31%; health rank #3,854 of 4,374; healthier than 11th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,854 of 4,374 health · 2025Q4Metropolitan Church · health 65/100 · $12.6M · 2025Q4
- NW 65/100
- DELQ 26.3%
- ROA 5.88%
- ASSETS 1.44%
- MEM $12.6M
- RANK 1,913
- PHOTO #3,854/4,374
- BOOK Northern Lights Community
- CHARTER 5970
Call Report peers
Metropolitan Church in the assets neighbourhood
Metropolitan Church's $12.6M assets sit next to Northern Lights Community ($12.6M) 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.
Metropolitan Church 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
65 11th percentile higher than 11% 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
Metropolitan Church - Share Insurance Coverage
Charter #5970'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.
Peer-gap read for Metropolitan Church
- Net Worth Ratio leads the peer set - 26.31% here, 14.86% peer average (+11.45 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -6.48 pp (53.32% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Metropolitan Church sits in Virginia
- In Virginia, health place is #82 of 95 on the same NCUA-ratio sort used nationally.
- Virginia assets place: #73 of 95.
- Membership ranks #70 of 95 among Virginia CUs with a reported count (1,913 members).
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Metropolitan Church: 2025Q4 → 2026Q1
Metropolitan Church: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $12.6M (2025Q4) to $13.0M (2026Q1).
- Net-worth ratio shifted -0.80 pp (27.11% → 26.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
26.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 10.7 pts
Metropolitan Church vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.31% | +11.45 pp |
| Delinquency Rate | 5.88% | +4.73 pp |
| Return on Assets | 1.44% | +0.73 pp |
| Member Growth | 0.21% | - |
| Loan-to-Share Ratio | 53.32% | -6.48 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.0M | - |
| 2025Q4 | $12.6M | 1,913 |
| 2024Q4 | $12.4M | 1,909 |
| 2023Q4 | $12.8M | 1,880 |
Credit Union Details
- Charter Number
- 5970
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Virginia
- City
- SUFFOLK
- Data Quarter
- 2025Q4
Branch Location
Metropolitan Church operates a single office in Suffolk, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Metropolitan Church Federal Credit Union (Main Office) | Suffolk, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
A look at other Virginia credit unions, ranked by how closely their peer group and asset size match this one.
- VIRGINIA STATE UNIVERSITYSouth Chesterfi, VA · $10M–$50M73Health
- AUGUSTA HEALTH CARE CREDIT UNIONFISHERSVILLE, VA · $10M–$50M90Health
- RICHMOND HERITAGERichmond, VA · $10M–$50M80Health
- VA BEACH POSTALVirginia Beach, VA · $10M–$50M82Health
- VIRGINIA UNITED METHODISTNorth Chesterfi, VA · $10M–$50M58Health
Nationwide credit unions with similar profiles
Metropolitan Church's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- Metropolitan Church ranks #3,854 of 4,374 nationally on financial health and #82 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Virginia State University is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Virginia State University
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia 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 Metropolitan Church financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Metropolitan Church carries a financial health score of 65/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,854 of 4,374; by total assets it ranks #3,423 of 4,374 nationally (same basis as /rankings/largest); and #73 of 95 within Virginia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 26.31% net worth ratio and a 5.88% delinquency rate.
How does Metropolitan Church compare to other credit unions?
On PlainCU's health composite, Metropolitan Church lands at 65/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Metropolitan Church?
Metropolitan Church 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 Metropolitan Church directly for the exact boundaries and application steps.
Is my money safe at Metropolitan Church?
Federal credit unions like Metropolitan Church 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. Metropolitan Church's net worth ratio of 26.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Metropolitan Church offer compared to banks?
Credit unions like Metropolitan Church 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 Metropolitan Church 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.