Metro Credit Union
Total assets
$3.30B
▼ -2.1% YoY
Shares & deposits
$2.75B
▲ +0.5% YoY
Loans
$2.77B
▼ -2.3% YoY
Members
215,295
▲ +0.9% YoY
ROA (annualized)
0.27%
peers 0.71%
ROE (annualized)
2.93%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Metro Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +5.1% | -7.2 pts |
| Share growth (YoY) | +0.5% | +4.9% | -4.3 pts |
| Loan growth (YoY) | -2.3% | +5.4% | -7.7 pts |
| ROA | 0.27% | 0.71% | -0.4 pts |
| ROE | 2.9% | 6.3% | -3.4 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
Profile
- Established
- 1926
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 200 Revere Beach Pkwy, Chelsea, MA, 02150
- NCUA charter #
- 66364
- RSSD ID
- 110794
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.30B | $2.75B | $2.77B | $299.8M | $2.2M | 0.27% | 2.10% | 0.59% | 215,295 |
| Q4 2025 | $3.30B | $2.68B | $2.80B | $297.6M | $11.8M | 0.36% | 1.95% | 0.25% | 213,040 |
| Q3 2025 | $3.23B | $2.62B | $2.80B | $294.9M | $9.1M | 0.38% | 1.95% | 0.17% | 219,006 |
| Q2 2025 | $3.27B | $2.64B | $2.80B | $293.3M | $7.5M | 0.46% | 1.89% | 0.18% | 216,561 |
| Q1 2025 | $3.37B | $2.73B | $2.84B | $290.2M | $4.5M | 0.53% | 1.81% | 0.12% | 213,293 |
| Q4 2024 | $3.44B | $2.72B | $2.95B | $285.8M | $8.1M | 0.23% | 1.66% | 0.19% | 209,799 |
| Q3 2024 | $3.44B | $2.73B | $2.98B | $283.5M | $5.9M | 0.23% | 1.66% | 0.14% | 216,366 |
| Q2 2024 | $3.47B | $2.75B | $2.97B | $283.5M | $5.8M | 0.34% | 1.67% | 0.13% | 212,796 |
Loan mix (Q1 2026): real estate $1.28B · commercial $552.4M · consumer $918.5M · securities $199.8M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Metro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.71% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 6.3% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.10% | 3.32% | 3th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.6% | 73.0% | 90th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Metro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Metro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Metro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Metro Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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