Credit Union Safety Analysis
Is Seattle Metropolitan Credit Union Safe? Seattle, Washington
Based on its Q2 2026 NCUA 5300 call report, Seattle Metropolitan Credit Union has a net worth ratio of 11.50%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.63%, 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, Seattle Metropolitan Credit Union's net worth ratio is 11.50%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.50%
- Delinquency ratio (60+ days) (Q2 2026): 0.63%
- Return on assets (Q2 2026): 0.38%
- Loan-to-share ratio (Q2 2026): 107.30%
Seattle Metropolitan Credit Union (NCUA charter 68315, established 1933) reported $1.17B in assets and 46,942 members for Q2 2026 from Seattle, Washington. It ranks 17 of 73 credit unions in Washington by total assets. Total assets grew 6.6% from $1.10B on June 30, 2025. It has 8,106 fewer members than on June 30, 2025 (-14.7%). Its net worth ratio was down 0.76 percentage points from 12.26% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $384.7M of $988.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.63% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.71% for Q1 2026; 12.26% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.67% for Q1 2026; 0.65% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: -0.32% for Q1 2026; 0.27% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 105.97% for Q1 2026; 104.23% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $384.7M
- Commercial loans: $333.8M
- Used vehicle loans: $88.0M
- Other secured non-real estate loans and lines of credit: $65.4M
- Other unsecured loans and lines of credit: $64.2M
- Unsecured credit card loans: $28.0M
- New vehicle loans: $24.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.17B | 11.50% | 0.63% | 0.38% | 107.30% |
| March 31, 2026 | $1.14B | 11.71% | 0.67% | -0.32% | 105.97% |
| December 31, 2025 | $1.13B | 11.93% | 0.75% | 0.15% | 106.29% |
| September 30, 2025 | $1.09B | 12.44% | 0.78% | 0.50% | 104.19% |
| June 30, 2025 | $1.10B | 12.26% | 0.65% | 0.27% | 104.23% |
| March 31, 2025 | $1.11B | 12.08% | 0.65% | 0.28% | 103.99% |
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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.
Seattle Metropolitan Credit Union profile
Regulator records: NCUA credit union profile (charter 68315) · FFIEC NIC profile (RSSD 74793)
Frequently asked questions
Is Seattle Metropolitan Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Seattle Metropolitan Credit Union's net worth ratio is 11.50%, above the 7% NCUA threshold for well capitalized.
Is Seattle Metropolitan Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Seattle Metropolitan Credit Union is a federally insured credit union (NCUA charter 68315): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Seattle Metropolitan Credit Union's key safety ratios?
For Q2 2026, Seattle Metropolitan Credit Union reports net worth 11.50%, delinquency 0.63%, ROA 0.38%, loan-to-share 107.30%.
What happens to my money if Seattle Metropolitan Credit Union fails?
For Q2 2026, Seattle Metropolitan Credit Union held $921.1M in shares and deposits for 46,942 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.