Credit Union Safety Analysis
Is Metropolitan Teachers Credit Union Safe? Nashville, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Metropolitan Teachers Credit Union has a net worth ratio of 13.40%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 6.02%, 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 Teachers Credit Union's net worth ratio is 13.40%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.40%
- Delinquency ratio (60+ days) (Q2 2026): 6.02%
- Return on assets (Q2 2026): -15.80%
- Loan-to-share ratio (Q2 2026): 33.35%
Metropolitan Teachers Credit Union (NCUA charter 68135, established 1957) reported $2.5M in assets and 1,168 members for Q2 2026 from Nashville, Tennessee. It ranks 117 of 123 credit unions in Tennessee by total assets. Total assets grew 5.4% from $2.3M on June 30, 2025. It has 664 fewer members than on June 30, 2025 (-36.2%). Its net worth ratio was up 7.06 percentage points from 6.34% on June 30, 2025. Used vehicle loans are its largest loan category, $379K of $709K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 6.02% 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: 16.53% for Q1 2026; 6.34% 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: 6.37% for Q1 2026; 0.21% 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: -4.35% for Q1 2026; -4.13% 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: 36.38% for Q1 2026; 35.74% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $379K
- Other unsecured loans and lines of credit: $251K
- New vehicle loans: $65K
- Other secured non-real estate loans and lines of credit: $14K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.5M | 13.40% | 6.02% | -15.80% | 33.35% |
| March 31, 2026 | $2.6M | 16.53% | 6.37% | -4.35% | 36.38% |
| December 31, 2025 | $2.5M | 16.43% | 4.52% | 40.01% | 37.23% |
| September 30, 2025 | $2.2M | 5.20% | 3.04% | -0.18% | 39.25% |
| June 30, 2025 | $2.3M | 6.34% | 0.21% | -4.13% | 35.74% |
| March 31, 2025 | $2.5M | 7.01% | 3.91% | -3.43% | 36.08% |
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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 Teachers Credit Union profile
Regulator records: NCUA credit union profile (charter 68135) · FFIEC NIC profile (RSSD 1019335)
Frequently asked questions
Is Metropolitan Teachers Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Metropolitan Teachers Credit Union's net worth ratio is 13.40%, above the 7% NCUA threshold for well capitalized.
Is Metropolitan Teachers Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Metropolitan Teachers Credit Union is a federally insured credit union (NCUA charter 68135): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Metropolitan Teachers Credit Union's key safety ratios?
For Q2 2026, Metropolitan Teachers Credit Union reports net worth 13.40%, delinquency 6.02%, ROA -15.80%, loan-to-share 33.35%.
What happens to my money if Metropolitan Teachers Credit Union fails?
For Q2 2026, Metropolitan Teachers Credit Union held $2.1M in shares and deposits for 1,168 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.