METRO
Charter #66364 · Chelsea, MA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 215,295 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.08% sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of 0.27% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 2.10% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.72% sits at the 80th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | METRO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.30B | 68th pct | 61th pct |
| Members | 215,295 | 75th pct | 80th pct |
| Net worth ratio | 9.08% | 15th pct | 20th pct |
| Return on average assets | 0.27% | 12th pct | 15th pct |
| Net interest margin | 2.10% | 3th pct | 3th pct |
| Cost of funds | 2.72% | 90th pct | 80th pct |
| Loan-to-share | 100.98% | 92th pct | 84th pct |
| Delinquency 60+ days | 0.59% | 46th pct | 54th pct |
| Net charge-off ratio | 0.16% | 11th pct | 15th pct |
| Loan growth YoY | -0.88% | 16th pct | 21th pct |
| Share growth YoY | 4.77% | 61th pct | 67th pct |
| Efficiency ratio | 85.63% | 91th pct | 85th pct |
structural peer set hash: 32fd0fa76cb7de6d18a8c26bbc6e910d… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.