Credit Union Safety Analysis
Is Metropolitan Services Credit Union Safe? Saint Paul, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Metropolitan Services Credit Union has a net worth ratio of 9.59%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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 Services Credit Union's net worth ratio is 9.59%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.59%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): -0.63%
- Loan-to-share ratio (Q2 2026): 57.07%
Metropolitan Services Credit Union (NCUA charter 64999, established 1939) reported $12.3M in assets and 968 members for Q2 2026 from Saint Paul, Minnesota. It ranks 63 of 79 credit unions in Minnesota by total assets. Total assets grew 4.3% from $11.8M on June 30, 2025. It has 78 more members than on June 30, 2025 (+8.8%). Its net worth ratio was down 0.24 percentage points from 9.83% on June 30, 2025. Used vehicle loans are its largest loan category, $2.4M of $6.6M in total loans on its June 30, 2026 filing.
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: 9.87% for Q1 2026; 9.83% 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%.
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: -0.09% for Q1 2026; 0.80% 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: 61.34% for Q1 2026; 55.83% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $2.4M
- 1- to 4-family residential and other consumer real estate loans: $2.1M
- New vehicle loans: $786K
- Other unsecured loans and lines of credit: $700K
- Other secured non-real estate loans and lines of credit: $540K
- Commercial loans: $18K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $12.3M | 9.59% | — | -0.63% | 57.07% |
| March 31, 2026 | $12.2M | 9.87% | — | -0.09% | 61.34% |
| December 31, 2025 | $11.8M | 10.22% | 0.46% | -0.08% | 62.30% |
| September 30, 2025 | $11.9M | 10.13% | — | 1.54% | 62.92% |
| June 30, 2025 | $11.8M | 9.83% | — | 0.80% | 55.83% |
| March 31, 2025 | $12.5M | 9.03% | — | 0.22% | 51.47% |
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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 Services Credit Union profile
Regulator records: NCUA credit union profile (charter 64999) · FFIEC NIC profile (RSSD 267698)
Frequently asked questions
Is Metropolitan Services Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Metropolitan Services Credit Union's net worth ratio is 9.59%, above the 7% NCUA threshold for well capitalized.
Is Metropolitan Services Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Metropolitan Services Credit Union is a federally insured credit union (NCUA charter 64999): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Metropolitan Services Credit Union's key safety ratios?
For Q2 2026, Metropolitan Services Credit Union reports net worth 9.59%, delinquency not reported, ROA -0.63%, loan-to-share 57.07%.
What happens to my money if Metropolitan Services Credit Union fails?
For Q2 2026, Metropolitan Services Credit Union held $11.5M in shares and deposits for 968 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.