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
Call Report peers
Seattle Metropolitan in the assets neighbourhood
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Seattle Metropolitan vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Seattle Metropolitan sits in 70-74 with 317 others.
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
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%).
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).
- One place up in Washington, OLYMPIA (#68) scores 74/100, 4 points higher; one place down, VERITY (#70) ties at 70/100.
How Seattle Metropolitan's 5300 filing moved
Seattle Metropolitan: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $1.13B (2025Q4) to $1.14B (2026Q1).
- Net-worth ratio shifted -0.22 pp (11.93% → 11.71%).
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
Seattle Metropolitan gives up 30 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Seattle Metropolitan financially healthy?
Seattle Metropolitan has a financial health score of 70/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,592 of 4,374 nationally on health and #69 of 75 in Washington. Its net worth ratio is 11.71% and its delinquency rate 0.75%.
How does Seattle Metropolitan compare to other credit unions?
Seattle Metropolitan scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (106.29% vs 83.90%). Its widest shortfall is return on assets (0.14% vs 0.51%).
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?
Seattle Metropolitan 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. Seattle Metropolitan's net worth ratio of 11.71% 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.