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
Call Report peers
Metrowest Community in the assets neighbourhood
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Metrowest Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Metrowest Community sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Massachusetts, NAVEO (#103) scores 74/100, 1 point higher; one place down, Webster First (#105) scores 72/100, 1 point lower.
Metrowest Community: 2025Q4 → 2026Q1
Metrowest Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $142.5M (2025Q4) to $146.5M (2026Q1).
- Net-worth ratio shifted -0.11 pp (8.73% → 8.62%).
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
Metrowest Community gives up 27 points in total. Return on Assets costs the most, 11 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Metrowest Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Metrowest Community scores 73/100 (Very Good), with a 8.62% net worth ratio and 0.18% of loans delinquent. It ranks #3,422 of 4,374 nationally on health and #104 of 126 in Massachusetts.
How does Metrowest Community compare to other credit unions?
Metrowest Community scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.18% vs 0.89%). Its widest shortfall is loan-to-share ratio (55.17% vs 72.20%).
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?
Metrowest Community is a federal 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. Metrowest Community's net worth ratio of 8.62% 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.