Metro Federal Credit Union
Total assets
$78.7M
▲ +7.1% YoY
Shares & deposits
$70.1M
▲ +6.5% YoY
Loans
$39.2M
▲ +1.3% YoY
Members
3,292
▲ +0.9% YoY
ROA (annualized)
0.73%
peers 0.60%
ROE (annualized)
7.72%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +1.3% | +5.8 pts |
| Share growth (YoY) | +6.5% | +0.7% | +5.9 pts |
| Loan growth (YoY) | +1.3% | -2.4% | +3.7 pts |
| ROA | 0.73% | 0.60% | +0.1 pts |
| ROE | 7.7% | 4.1% | +3.6 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
Profile
- Established
- 1973
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 2440 E Rand Rd, Arlington Heigh, IL, 60004
- NCUA charter #
- 21326
- RSSD ID
- 493282
- 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 | $78.7M | $70.1M | $39.2M | $7.4M | $144K | 0.73% | 3.49% | 0.71% | 3,292 |
| Q4 2025 | $77.0M | $68.6M | $40.5M | $7.3M | $800K | 1.04% | 3.62% | 0.55% | 3,276 |
| Q3 2025 | $72.0M | $63.7M | $41.7M | $7.1M | $613K | 1.14% | 3.84% | 0.28% | 3,267 |
| Q2 2025 | $73.1M | $65.2M | $41.2M | $6.9M | $391K | 1.07% | 3.69% | 0.23% | 3,273 |
| Q1 2025 | $73.4M | $65.8M | $38.7M | $6.7M | $164K | 0.89% | 3.53% | 0.69% | 3,262 |
| Q4 2024 | $69.7M | $62.2M | $37.6M | $6.5M | $674K | 0.97% | 3.68% | 0.88% | 3,257 |
| Q3 2024 | $70.0M | $62.6M | $38.1M | $6.4M | $526K | 1.00% | 3.64% | 0.25% | 3,261 |
| Q2 2024 | $68.9M | $61.6M | $38.3M | $6.2M | $357K | 1.04% | 3.68% | 0.39% | 3,251 |
Loan mix (Q1 2026): real estate $20.5M · commercial $0 · consumer $18.5M · securities $26.3M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.83% | 35th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 81.5% | 45th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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