Federal credit union · Oak Park, Illinois · NCUA charter #2370
Metropolitan L
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $9.6M
- Total assets
- 1,003
- Members
- 16.7%
- Net-worth ratio
Metropolitan L scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.6M; members 1,003; net-worth ratio 16.69%; health rank #4,054 of 4,374; healthier than 7th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,054 of 4,374 health · 2025Q4Metropolitan L · health 60/100 · $9.6M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Metropolitan L vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Metropolitan L sits in 60-64 with 179 others.
60 7th percentile higher than 7% 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 L: Call Report deltas vs peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -41.70 pp (21.90% vs 63.60%).
Where Metropolitan L sits in Illinois
- Health composite ranks #181 of 192 among scored Illinois credit unions.
- Illinois assets place: #126 of 192.
- Membership ranks #131 of 192 among Illinois CUs with a reported count (1,003 members).
- One place up in Illinois, Bethel a.M.E. Church (#180) scores 62/100, 2 points higher; one place down, Fox Valley (#182) scores 58/100, 2 points lower.
Metropolitan L Call Report trajectory
Metropolitan L: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.8% from $9.6M (2025Q4) to $9.4M (2026Q1).
- Net-worth ratio shifted +0.52 pp (16.17% → 16.69%).
16.69% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 60/100 score is built
Metropolitan L gives up 40 points in total. Delinquency Rate costs the most, 16.4 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.6 pts
- Return on Assets 12.2 pts
- Member Growth 1.6 pts
- Loan-to-Share Ratio 7.6 pts
Metropolitan L health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.69% | -2.37 pp |
| Delinquency Rate | 2.62% | +0.81 pp |
| Return on Assets | 0.31% | -0.14 pp |
| Member Growth | -4.11% | - |
| Loan-to-Share Ratio | 21.90% | -41.70 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.4M | - |
| 2025Q4 | $9.6M | 1,003 |
| 2024Q4 | $9.3M | 1,046 |
| 2023Q4 | $9.5M | 1,163 |
Credit Union Details
- Charter Number
- 2370
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Oak Park
- Data Quarter
- 2025Q4
Branch Location
Metropolitan L operates a single office in Oak Park, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Metropolitan "L" Federal Credit Union (Main Office) | Oak Park, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Other-state peers near Metropolitan L
Using this data
- Metropolitan L ranks #4,054 of 4,374 nationally on financial health and #181 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Evergreen Park Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Evergreen Park Schools
Frequently Asked Questions
Is Metropolitan L financially healthy?
On its 2025Q4 NCUA 5300 filing, Metropolitan L scores 60/100 (Good), with a 16.69% net worth ratio and 2.62% of loans delinquent. It ranks #4,054 of 4,374 nationally on health and #181 of 192 in Illinois.
How does Metropolitan L compare to other credit unions?
Metropolitan L scores 60/100, higher than 7% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (21.90% vs 63.60%).
How can I join Metropolitan L?
Metropolitan L 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 L directly for the exact boundaries and application steps.
Is my money safe at Metropolitan L?
Metropolitan L 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 L's net worth ratio of 16.69% 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.