Metrum Community Credit Union Centennial, Colorado
Metrum Community Credit Union is a state-chartered credit union headquartered in Centennial, CO, established in 1946 (NCUA charter 62422), and it is regulated and insured by the NCUA. At Q2 2026 it reported 5,924 members and total assets of $111.6M (up 5.6% from Q2 2025), the 36th largest of 61 credit unions headquartered in Colorado. Its net worth ratio was 13.01% at Q2 2026, in the well capitalized band.
Also written as Metrum Community CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 62422
- Headquarters
- Centennial, CO
- Established
- 1946
- Total assets, Q2 2026
- $111.6M
- Assets vs Q2 2025
- +5.6%
- Members, Q2 2026
- 5,924
- Net worth ratio, Q2 2026
- 13.01%
- Latest call report
- Q2 2026, NCUA 5300 · Metrum Community Credit Union call report
- Asset rank in state
- 36th of 61 in Colorado
- Routing number
- 302075555
- Branches
- 2
It has 190 more members than on June 30, 2025 (+3.3%). Its net worth ratio was up 0.01 percentage points from 13.00% on June 30, 2025. Used vehicle loans are its largest loan category, $40.5M of $81.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.15% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 13.01% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Colorado
Frequently asked about Metrum Community Credit Union
How big is Metrum Community Credit Union?
At Q2 2026 it reported total assets of $111.6M and 5,924 members.
Where is Metrum Community Credit Union headquartered?
It is headquartered in Centennial, CO, United States.
When was Metrum Community Credit Union founded?
It was established in 1946, per NCUA records.
Is Metrum Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62422): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Metrum Community Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Metrum Community Credit Union well capitalized?
Its net worth ratio was 13.01% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Metrum Community Credit Union's delinquency ratio?
Its delinquency ratio was 0.15% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Metrum Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 85.36% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Centennial, CO 80112
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1946
- NCUA Charter #
- 62422
- RSSD ID
- 670391
- Members
- 5,924
- Potential members
- 119,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 13.01% | 11.43% | 68th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.64% | 0.81% | 39th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 4.92% | 7.02% | 33rd below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.61% | 3.70% | 44th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 79.72% | 76.55% | 39th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.85% | 1.24% | 12th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.15% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.46% | 4.92% | 78th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 85.36% | 75.66% | 73rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$111.6M total assets against $105.7M; $95.8M total shares and deposits against $91.0M; $81.8M total loans against $77.4M.
$14.5M net worth against $13.7M.
13.01% net worth ratio against 13.00%.
85.36% loan-to-share ratio against 84.99%.
0.15% delinquency ratio against 0.23%.
0.64% return on assets against 0.82%; 4.92% return on equity against 6.33%.
3.61% net interest margin against 3.65%.
5,924 members against 5,734.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.01% | 0.64% | 0.15% | 85.36% |
| March 31, 2026 | 12.70% | 0.30% | 0.23% | 82.17% |
| December 31, 2025 | 13.10% | 1.08% | 0.30% | 85.57% |
| September 30, 2025 | 13.12% | 0.86% | 0.25% | 86.97% |
| June 30, 2025 | 13.00% | 0.82% | 0.23% | 84.99% |
| March 31, 2025 | 12.65% | 0.68% | 0.11% | 81.09% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.