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.
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NCUA 5300 Call Report Masthead
#208 of 4,374 health · 2025Q4Metropolitan Services · health 97/100 · $11.8M · 2025Q4
Call Report peers
Metropolitan Services in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Metropolitan Services sits in 95-99 with 391 others.
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: 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).
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.
- One place up in Minnesota, Southpoint Financial (#4) ties at 97/100; one place down, Farm Credit Employees (#6) scores 96/100, 1 point lower.
Metropolitan Services Call Report trajectory
Metropolitan Services: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $11.8M (2025Q4) to $12.2M (2026Q1).
- Net-worth ratio shifted -0.35 pp (10.22% → 9.87%).
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
Metropolitan Services gives up 3 points in total. Loan-to-Share Ratio costs the most, 1.7 of its 15; Delinquency Rate and Member Growth score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Metropolitan Services financially healthy?
On its 2025Q4 NCUA 5300 filing, Metropolitan Services scores 97/100 (Excellent), with a 9.87% net worth ratio and 0.46% of loans delinquent. It ranks #208 of 4,374 nationally on health and #5 of 82 in Minnesota.
How does Metropolitan Services compare to other credit unions?
Metropolitan Services scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (62.30% vs 59.80%). Its widest shortfall is net worth ratio (9.87% vs 14.86%).
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?
Metropolitan Services is a state-chartered 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 Services's net worth ratio of 9.87% 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.