METRO COMMUNITY
Charter #8791 · Huntington, WV · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.54% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 5.97% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.44% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.49% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.39% sits at the 77th 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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $51.12M | 4th pct | 15th pct |
| Members | 4,643 | 42th pct | 54th pct |
| Net worth ratio | 9.54% | 15th pct | 13th pct |
| Return on average assets | 0.81% | 57th pct | 61th pct |
| Net interest margin | 5.97% | 99th pct | 98th pct |
| Cost of funds | 0.44% | 21th pct | 11th pct |
| Loan-to-share | 58.32% | 46th pct | 51th pct |
| Delinquency 60+ days | 1.49% | 87th pct | 89th pct |
| Net charge-off ratio | 0.39% | 63th pct | 77th pct |
| Loan growth YoY | -4.22% | 24th pct | 15th pct |
| Share growth YoY | 7.52% | 90th pct | 87th pct |
| Efficiency ratio | 80.30% | 51th pct | 44th pct |
structural peer set hash: 3717a088c17de66e85da1cf0babed423… (reproducible)
Closest structural peers
This is the free public view
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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.