Federal credit union · PRIOR LAKE, Minnesota · NCUA charter #24482
South Metro
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $181.7M
- Total assets
- 4,931
- Members
- 8.0%
- Net-worth ratio
South Metro - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24482 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
South Metro - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)83
- Asset quality (delinquency)100
- Earnings (ROA)27
- Member growth41
- Liquidity (loan-to-share)100
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.00%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.00% | 30% |
| Delinquency Rate | 0.37% | 25% |
| Return on Assets | -0.05% | 15% |
| Member Growth | -1.62% | 15% |
| Loan-to-Share Ratio | 73.15% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $181.7M | 4,931 |
| 2024Q4 | $166.7M | 5,012 |
| 2023Q4 | $170.1M | 4,925 |
Credit Union Details
- Charter Number
- 24482
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- PRIOR LAKE
- Data Quarter
- 2025Q4
What This Data Says About South Metro
Charter #24482, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's South Metro, a federal credit union in PRIOR LAKE, Minnesota with 4,931 members, $181.7M in total assets, and $124.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 75/100 (Very Good), helped by a net worth ratio of 8.00% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.37% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 73.15% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.05% on net income of $-92321 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.62%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Minnesota
A look at other Minnesota credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is South Metro financially healthy?
Yes/no aside, the number is 75/100 (Very Good) - South Metro's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.00% net worth ratio and 0.37% delinquency rate are the key drivers.
How does South Metro compare to other credit unions?
On PlainCU's health composite, South Metro lands at 75/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 South Metro?
South Metro 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 South Metro directly for the exact boundaries and application steps.
Is my money safe at South Metro?
Federal credit unions like South Metro 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. South Metro's net worth ratio of 8.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does South Metro offer compared to banks?
Credit unions like South Metro 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 South Metro directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.