METRO NORTH
Charter #9441 · JACKSONVILLE, FL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,277 sits at the 7th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.28% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 13th — a 27-point gap showing why the peer definition matters.
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 NORTH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.59M | 40th pct | 13th pct |
| Members | 1,277 | 16th pct | 7th pct |
| Net worth ratio | 16.71% | 70th pct | 72th pct |
| Return on average assets | 0.39% | 35th pct | 26th pct |
| Net interest margin | 3.28% | 25th pct | 46th pct |
| Cost of funds | 1.14% | 64th pct | 66th pct |
| Loan-to-share | 46.26% | 30th pct | 25th pct |
| Delinquency 60+ days | 0.11% | 22th pct | 28th pct |
| Net charge-off ratio | -0.00% | 22th pct | 23th pct |
| Loan growth YoY | -2.42% | 51th pct | 44th pct |
| Share growth YoY | -3.60% | 6th pct | 5th pct |
| Efficiency ratio | 89.28% | 72th pct | 79th pct |
structural peer set hash: 38ca9371cbf10362943b0cb610918059… (reproducible)
Closest structural peers
This is the free public view
Claim METRO NORTH
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.