Credit Union Safety Analysis
Is Metro+ Federal Credit Union dba Metro Credit Union Safe? Springfield, Missouri
Based on its Q2 2026 NCUA 5300 call report, Metro+ Federal Credit Union dba Metro Credit Union has a net worth ratio of 12.96%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.90%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Metro+ Federal Credit Union dba Metro Credit Union's net worth ratio is 12.96%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.96%
- Delinquency ratio (60+ days) (Q2 2026): 0.90%
- Return on assets (Q2 2026): 1.10%
- Loan-to-share ratio (Q2 2026): 64.79%
Metro+ Federal Credit Union dba Metro Credit Union (NCUA charter 61840, established 1935) reported $123.0M in assets and 9,144 members for Q2 2026 from Springfield, Missouri. It ranks 28 of 85 credit unions in Missouri by total assets. Total assets grew 5.6% from $116.5M on June 30, 2025. It has 221 fewer members than on June 30, 2025 (-2.4%). Its net worth ratio was up 0.29 percentage points from 12.67% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $22.7M of $69.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.90% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.74% for Q1 2026; 12.67% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.92% for Q1 2026; 0.59% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.63% for Q1 2026; 1.20% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 67.57% for Q1 2026; 74.03% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $22.7M
- Used vehicle loans: $20.7M
- New vehicle loans: $16.7M
- Other secured non-real estate loans and lines of credit: $5.0M
- Unsecured credit card loans: $2.2M
- Other unsecured loans and lines of credit: $1.4M
- Commercial loans: $565K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $123.0M | 12.96% | 0.90% | 1.10% | 64.79% |
| March 31, 2026 | $122.5M | 12.74% | 0.92% | 0.63% | 67.57% |
| December 31, 2025 | $121.6M | 12.68% | 0.97% | 1.02% | 69.66% |
| September 30, 2025 | $119.7M | 12.67% | 0.59% | 1.18% | 71.44% |
| June 30, 2025 | $116.5M | 12.67% | 0.59% | 1.20% | 74.03% |
| March 31, 2025 | $115.2M | 12.51% | 0.43% | 1.08% | 76.50% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Metro+ Federal Credit Union dba Metro Credit Union profile
Regulator records: NCUA credit union profile (charter 61840) · FFIEC NIC profile (RSSD 164292)
Frequently asked questions
Is Metro+ Federal Credit Union dba Metro Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Metro+ Federal Credit Union dba Metro Credit Union's net worth ratio is 12.96%, above the 7% NCUA threshold for well capitalized.
Is Metro+ Federal Credit Union dba Metro Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Metro+ Federal Credit Union dba Metro Credit Union is a federally insured credit union (NCUA charter 61840): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Metro+ Federal Credit Union dba Metro Credit Union's key safety ratios?
For Q2 2026, Metro+ Federal Credit Union dba Metro Credit Union reports net worth 12.96%, delinquency 0.90%, ROA 1.10%, loan-to-share 64.79%.
What happens to my money if Metro+ Federal Credit Union dba Metro Credit Union fails?
For Q2 2026, Metro+ Federal Credit Union dba Metro Credit Union held $106.7M in shares and deposits for 9,144 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.