Federal credit union · Framingham, Massachusetts · NCUA charter #4731
Metrowest Community
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $142.5M
- Total assets
- 6,864
- Members
- 8.6%
- Net-worth ratio
Metrowest Community scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $142.5M; members 6,864; net-worth ratio 8.62%; health rank #3,422 of 4,374; healthier than 21st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,422 of 4,374 health · 2025Q4Metrowest Community · health 73/100 · $142.5M · 2025Q4
- NCUSIF 73/100
- CAMELS 8.6%
- HEALTH 0.18%
- NW -0.05%
- DELQ $142.5M
- ROA 6,864
- ASSETS #3,422/4,374
- MEM Community Powered
- RANK 4731
Call Report peers
Metrowest Community in the assets neighbourhood
Metrowest Community's $142.5M assets sit next to Community Powered ($142.3M) 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.
Metrowest Community 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
73 21st percentile higher than 21% 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
Metrowest Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #4731, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Metrowest Community vs $100M–$500M peers
- Delinquency Rate leads the peer set - 0.18% here, 0.89% peer average (-0.72 pp).
- Loan-to-Share Ratio trails the peer set - 55.17% here, 72.20% peer average (-17.03 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Metrowest Community: in-state Call Report ranks
- Health composite ranks #104 of 126 among scored Massachusetts credit unions.
- By total assets, Metrowest Community is #53 of 126 in Massachusetts.
- Membership ranks #52 of 126 among Massachusetts CUs with a reported count (6,864 members).
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Metrowest Community: 2025Q4 → 2026Q1
Metrowest Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $142.5M (2025Q4) to $146.5M (2026Q1).
- Net-worth ratio shifted -0.11 pp (8.73% → 8.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.62% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 26.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.0 pts
- Member Growth 5.5 pts
- Loan-to-Share Ratio 11.9 pts
Metrowest Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.62% | -3.49 pp |
| Delinquency Rate | 0.18% | -0.72 pp |
| Return on Assets | -0.05% | -0.68 pp |
| Member Growth | -1.94% | - |
| Loan-to-Share Ratio | 55.17% | -17.03 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Metrowest Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $146.5M | - |
| 2025Q4 | $142.5M | 6,864 |
| 2024Q4 | $133.6M | 7,000 |
| 2023Q4 | $131.4M | 7,062 |
Credit Union Details
- Charter Number
- 4731
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- Framingham
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Metrowest Community.
| Office | City |
|---|---|
| Main Office (Main Office) | Framingham, MA |
| Disaster Recovery Site is pending. | Framingham, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Metrowest Community - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($142.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- Metrowest Community ranks #3,422 of 4,374 nationally on financial health and #104 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Priority is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Priority
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts 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 Metrowest Community financially healthy?
Metrowest Community has a financial health score of 73/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,422 of 4,374; by total assets it ranks #1,531 of 4,374 nationally (same basis as /rankings/largest); and #53 of 126 within Massachusetts. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.62% and delinquency rate of 0.18%.
How does Metrowest Community compare to other credit unions?
PlainCU's health composite puts Metrowest Community at 73/100, compared to a peer group average for $100M–$500M 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 Metrowest Community?
Metrowest Community 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 Metrowest Community directly for the exact boundaries and application steps.
Is my money safe at Metrowest Community?
Federal credit unions like Metrowest Community 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. Metrowest Community's net worth ratio of 8.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Metrowest Community offer compared to banks?
Credit unions like Metrowest Community 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 Metrowest Community 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.