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
Call Report peers
Metropolitan Church in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Metropolitan Church sits in 65-69 with 275 others.
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
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%).
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).
- One place up in Virginia, YOGAVILLE (#81) scores 66/100, 1 point higher; one place down, First Care (#83) ties at 65/100.
Metropolitan Church: 2025Q4 → 2026Q1
Metropolitan Church: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $12.6M (2025Q4) to $13.0M (2026Q1).
- Net-worth ratio shifted -0.80 pp (27.11% → 26.31%).
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
Metropolitan Church gives up 35 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Metropolitan Church financially healthy?
On its 2025Q4 NCUA 5300 filing, Metropolitan Church scores 65/100 (Good), with a 26.31% net worth ratio and 5.88% of loans delinquent. It ranks #3,854 of 4,374 nationally on health and #82 of 95 in Virginia.
How does Metropolitan Church compare to other credit unions?
Metropolitan Church scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (26.31% vs 14.86%). Its widest shortfall is loan-to-share ratio (53.32% vs 59.80%).
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?
Metropolitan Church 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. Metropolitan Church's net worth ratio of 26.31% 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.