State credit union · Seattle, Washington · NCUA charter #68315
Seattle Metropolitan
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $1.13B
- Total assets
- 48,127
- Members
- 11.7%
- Net-worth ratio
Seattle Metropolitan scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.13B; members 48,127; net-worth ratio 11.71%; health rank #3,592 of 4,374; healthier than 17th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,592 of 4,374 health · 2025Q4Seattle Metropolitan · health 70/100 · $1.13B · 2025Q4
- BOOK 70/100
- CHARTER 11.7%
- NCUSIF 0.75%
- CAMELS 0.14%
- HEALTH $1.13B
- NW 48,127
- DELQ #3,592/4,374
- ROA NEIGHBORHOOD
- ASSETS 68315
Call Report peers
Seattle Metropolitan in the assets neighbourhood
Seattle Metropolitan's $1.13B assets sit next to NEIGHBORHOOD ($1.13B) 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.
Seattle Metropolitan 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
70 17th percentile higher than 17% 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
Seattle Metropolitan - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68315 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Seattle Metropolitan diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 106.29% vs peer 83.90% (+22.39 pp).
- Widest shortfall vs peers is Return on Assets: -0.37 pp (0.14% vs 0.51%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Seattle Metropolitan: in-state Call Report ranks
- In Washington, health place is #69 of 75 on the same NCUA-ratio sort used nationally.
- Assets rank #18 of 75 inside Washington ($1.13B reported).
- Membership ranks #19 of 75 among Washington CUs with a reported count (48,127 members).
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Seattle Metropolitan's 5300 filing moved
Seattle Metropolitan: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $1.13B (2025Q4) to $1.14B (2026Q1).
- Net-worth ratio shifted -0.22 pp (11.93% → 11.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.71%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.5 pts
- Return on Assets 9.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.9 pts
Call Report ratios for Seattle Metropolitan
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.71% | +0.53 pp |
| Delinquency Rate | 0.75% | -0.13 pp |
| Return on Assets | 0.14% | -0.37 pp |
| Member Growth | -12.59% | - |
| Loan-to-Share Ratio | 106.29% | +22.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.14B | - |
| 2025Q4 | $1.13B | 48,127 |
| 2024Q4 | $1.10B | 55,060 |
| 2023Q4 | $1.11B | 55,314 |
Credit Union Details
- Charter Number
- 68315
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- Seattle
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for Seattle Metropolitan, spread across 5 cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Seattle, WA |
| Burien | Burien, WA |
| Lynnwood | Lynnwood, WA |
| Northgate Br | Seattle, WA |
| Downtown Seattle | Seattle, WA |
| Beacon Hill | Seattle, WA |
| Hilltop | Tacoma, WA |
| Southcenter | Tukwila, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
Other federally-insured credit unions in Washington, closest first by peer group and asset size.
Cross-state Call Report peers for Seattle Metropolitan
Seattle Metropolitan's nationwide photo peers by assets and by health score, excluding Washington charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.13B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- Seattle Metropolitan ranks #3,592 of 4,374 nationally on financial health and #69 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SALAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SALAL
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington 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 Seattle Metropolitan financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Seattle Metropolitan carries a financial health score of 70/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,592 of 4,374; by total assets it ranks #426 of 4,374 nationally (same basis as /rankings/largest); and #18 of 75 within Washington. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.71% net worth ratio and a 0.75% delinquency rate.
How does Seattle Metropolitan compare to other credit unions?
PlainCU's health composite puts Seattle Metropolitan at 70/100, compared to a peer group average for Over $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 Seattle Metropolitan?
Membership eligibility for Seattle Metropolitan depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Seattle Metropolitan directly for current membership requirements and application steps.
Is my money safe at Seattle Metropolitan?
Federal credit unions like Seattle Metropolitan 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. Seattle Metropolitan's net worth ratio of 11.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Seattle Metropolitan offer compared to banks?
Credit unions like Seattle Metropolitan 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 Seattle Metropolitan 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.