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
- ASSETS 60/100
- MEM 16.7%
- RANK 2.62%
- PHOTO 0.31%
- BOOK $9.6M
- CHARTER 1,003
- NCUSIF #4,054/4,374
- CAMELS n/a
- HEALTH 2370
Call Report peers
Metropolitan L carries $9.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #2370: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Metropolitan L: Call Report deltas vs peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -41.70 pp (21.90% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Metropolitan L Call Report trajectory
Metropolitan L: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.8% from $9.6M (2025Q4) to $9.4M (2026Q1).
- Net-worth ratio shifted +0.52 pp (16.17% → 16.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for Metropolitan L, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 L financially healthy?
Yes/no aside, the number is 60/100 (Good) - Metropolitan L's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,054 of 4,374; by total assets it ranks #3,583 of 4,374 nationally (same basis as /rankings/largest); and #126 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.69% net worth ratio and 2.62% delinquency rate are the key drivers.
How does Metropolitan L compare to other credit unions?
On PlainCU's health composite, Metropolitan L lands at 60/100, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like Metropolitan L 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 L's net worth ratio of 16.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Metropolitan L offer compared to banks?
Credit unions like Metropolitan L 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 L 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.