Credit Union Safety Analysis
Is Metropolitan L Federal Credit Union Safe? Oak Park, Illinois
Based on its Q2 2026 NCUA 5300 call report, Metropolitan L Federal Credit Union has a net worth ratio of 16.96%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.38%, 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, Metropolitan L Federal Credit Union's net worth ratio is 16.96%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.96%
- Delinquency ratio (60+ days) (Q2 2026): 1.38%
- Return on assets (Q2 2026): 0.71%
- Loan-to-share ratio (Q2 2026): 22.36%
Metropolitan L Federal Credit Union (NCUA charter 2370, established 1937) reported $9.3M in assets and 891 members for Q2 2026 from Oak Park, Illinois. It ranks 121 of 185 credit unions in Illinois by total assets. Total assets fell 1.1% from $9.4M on June 30, 2025. It has 149 fewer members than on June 30, 2025 (-14.3%). Its net worth ratio was up 0.40 percentage points from 16.56% on June 30, 2025. Used vehicle loans are its largest loan category, $865K of $1.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.38% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 16.69% for Q1 2026; 16.56% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 5.02% for Q1 2026; 3.37% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.20% for Q1 2026; 0.33% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 22.31% for Q1 2026; 23.46% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $865K
- Other unsecured loans and lines of credit: $574K
- Unsecured credit card loans: $152K
- New vehicle loans: $75K
- Other secured non-real estate loans and lines of credit: $43K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.3M | 16.96% | 1.38% | 0.71% | 22.36% |
| March 31, 2026 | $9.4M | 16.69% | 5.02% | 0.20% | 22.31% |
| December 31, 2025 | $9.6M | 16.17% | 2.62% | -0.58% | 21.90% |
| September 30, 2025 | $9.6M | 16.33% | 6.21% | 0.53% | 21.73% |
| June 30, 2025 | $9.4M | 16.56% | 3.37% | 0.33% | 23.46% |
| March 31, 2025 | $9.3M | 16.64% | 3.83% | 0.71% | 24.78% |
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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.
Metropolitan L Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 2370) · FFIEC NIC profile (RSSD 121875)
Frequently asked questions
Is Metropolitan L Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Metropolitan L Federal Credit Union's net worth ratio is 16.96%, above the 7% NCUA threshold for well capitalized.
Is Metropolitan L Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Metropolitan L Federal Credit Union is a federally insured credit union (NCUA charter 2370): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Metropolitan L Federal Credit Union's key safety ratios?
For Q2 2026, Metropolitan L Federal Credit Union reports net worth 16.96%, delinquency 1.38%, ROA 0.71%, loan-to-share 22.36%.
What happens to my money if Metropolitan L Federal Credit Union fails?
For Q2 2026, Metropolitan L Federal Credit Union held $7.7M in shares and deposits for 891 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.