State credit union · NASHVILLE, Tennessee · NCUA charter #68135
Metropolitan Teachers
Health score 39/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 39
- Health / 100
- $2.5M
- Total assets
- 1,177
- Members
- 16.5%
- Net-worth ratio
Metropolitan Teachers scores 39/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.5M; members 1,177; net-worth ratio 16.53%; health rank #4,345 of 4,374; healthier than 1st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,345 of 4,374 health · 2025Q4Metropolitan Teachers · health 39/100 · $2.5M · 2025Q4
- ROA 39/100
- ASSETS 16.5%
- MEM 4.52%
- RANK -4.20%
- PHOTO $2.5M
- BOOK 1,177
- CHARTER #4,345/4,374
- NCUSIF n/a
- CAMELS 68135
Call Report peers
Metropolitan Teachers carries $2.5M 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 Teachers 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
39 1st percentile higher than 1% 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 Teachers - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68135: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Metropolitan Teachers diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 37.23% here, 63.60% peer average (-26.37 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Tennessee standing for Metropolitan Teachers
- Health composite ranks #127 of 127 among scored Tennessee credit unions.
- By total assets, Metropolitan Teachers is #120 of 127 in Tennessee.
- Membership ranks #107 of 127 among Tennessee CUs with a reported count (1,177 members).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Metropolitan Teachers
Metropolitan Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $2.5M (2025Q4) to $2.6M (2026Q1).
- Net-worth ratio shifted +0.10 pp (16.43% → 16.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.53% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 39/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 39.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.0 pts
Metropolitan Teachers health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.53% | -2.53 pp |
| Delinquency Rate | 4.52% | +2.71 pp |
| Return on Assets | -4.20% | -4.65 pp |
| Member Growth | -35.19% | - |
| Loan-to-Share Ratio | 37.23% | -26.37 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).
Metropolitan Teachers filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.6M | - |
| 2025Q4 | $2.5M | 1,177 |
| 2024Q4 | $2.5M | 1,816 |
| 2023Q4 | $2.6M | 1,765 |
Credit Union Details
- Charter Number
- 68135
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Tennessee
- City
- NASHVILLE
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Metropolitan Teachers runs one office.
| Office | City |
|---|---|
| MTCU BUILDING (Main Office) | Nashville, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Metropolitan Teachers nationwide neighbourhoods
Two NCUA Call Report peer sets for Metropolitan Teachers, both outside Tennessee 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 (39/100 here).
Using this data
- Metropolitan Teachers ranks #4,345 of 4,374 nationally on financial health and #127 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bulab Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bulab Employees
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee 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 Teachers financially healthy?
A 16.53% net worth ratio and a 4.52% delinquency rate feed into Metropolitan Teachers's financial health score of 39/100 (Weak), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,345 of 4,374; by total assets it ranks #4,087 of 4,374 nationally (same basis as /rankings/largest); and #120 of 127 within Tennessee. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Metropolitan Teachers compare to other credit unions?
39/100 is Metropolitan Teachers's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Teachers?
Membership eligibility for Metropolitan Teachers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Metropolitan Teachers directly for current membership requirements and application steps.
Is my money safe at Metropolitan Teachers?
Federal credit unions like Metropolitan Teachers 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 Teachers's net worth ratio of 16.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Metropolitan Teachers offer compared to banks?
Credit unions like Metropolitan Teachers 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 Teachers 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.