State credit union · SAINT PAUL, Minnesota · NCUA charter #64999
Metropolitan Services
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $11.8M
- Total assets
- 948
- Members
- 9.9%
- Net-worth ratio
Metropolitan Services scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.8M; members 948; net-worth ratio 9.87%; health rank #208 of 4,374; healthier than 95th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#208 of 4,374 health · 2025Q4Metropolitan Services · health 97/100 · $11.8M · 2025Q4
- BOOK 97/100
- CHARTER 9.9%
- NCUSIF 0.46%
- CAMELS 0.41%
- HEALTH $11.8M
- NW 948
- DELQ #208/4,374
- ROA Peoples Transport
- ASSETS 64999
Call Report peers
Metropolitan Services in the assets neighbourhood
Metropolitan Services's $11.8M assets sit next to Peoples Transport ($11.8M) 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 Services 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
97 Top 5% higher than 95% 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 Services - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #64999, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Metropolitan Services: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +2.50 pp (62.30% vs 59.80%).
- Largest lag: Net Worth Ratio at 9.87% vs peer 14.86% (-4.99 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Metropolitan Services in Minnesota
- In Minnesota, health place is #5 of 82 on the same NCUA-ratio sort used nationally.
- Assets rank #66 of 82 inside Minnesota ($11.8M reported).
- Member book place in Minnesota: #68 of 82.
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Metropolitan Services Call Report trajectory
Metropolitan Services: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $11.8M (2025Q4) to $12.2M (2026Q1).
- Net-worth ratio shifted -0.35 pp (10.22% → 9.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 29.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.6 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.87% | -4.99 pp |
| Delinquency Rate | 0.46% | -0.69 pp |
| Return on Assets | 0.41% | -0.30 pp |
| Member Growth | 9.09% | - |
| Loan-to-Share Ratio | 62.30% | +2.50 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 | $12.2M | - |
| 2025Q4 | $11.8M | 948 |
| 2024Q4 | $11.6M | 869 |
| 2023Q4 | $11.9M | 745 |
Credit Union Details
- Charter Number
- 64999
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Minnesota
- City
- SAINT PAUL
- Data Quarter
- 2025Q4
Branch Locations (2)
Metropolitan Services operates 2 offices in Saint Paul, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Saint Paul, MN |
| DISASTER RECOVERY | Saint Paul, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
Other-state peers near Metropolitan Services
Metropolitan Services's nationwide photo peers by assets and by health score, excluding Minnesota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Metropolitan Services ranks #208 of 4,374 nationally on financial health and #5 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Austin City Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Austin City Employees
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota 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 Services financially healthy?
Metropolitan Services has a financial health score of 97/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #208 of 4,374; by total assets it ranks #3,465 of 4,374 nationally (same basis as /rankings/largest); and #66 of 82 within Minnesota. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.87% and delinquency rate of 0.46%.
How does Metropolitan Services compare to other credit unions?
PlainCU's health composite puts Metropolitan Services at 97/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Services?
Membership eligibility for Metropolitan Services depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Metropolitan Services directly for current membership requirements and application steps.
Is my money safe at Metropolitan Services?
Federal credit unions like Metropolitan Services 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 Services's net worth ratio of 9.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Metropolitan Services offer compared to banks?
Credit unions like Metropolitan Services 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 Services 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.