TellerScore

Des Moines Metro Credit Union (NCUA charter #64380) is based in Des Moines, Iowa. Its Q2 2026 call report shows $77.7M in total assets and $66.9M in member shares and deposits.

Des Moines Metro Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 25th. Funding & liquidity contributes the most (100/100, 58% loans-to-deposits, 7% uninsured); earnings contributes the least (64/100, 1.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Net worth ratio: 12.58%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.67%
Earnings64/100
Return on assets (annualized): 1.11%
Funding & liquidity100/100
Loans ÷ shares: 58.4% · 6.8% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.81%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (76 → 79), mostly because the earnings component improved by 15 points.

TellerScore
727680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202476
Q4 202477
Q1 202572
Q2 202576
Q3 202578
Q4 202576
Q1 202680
Q2 202679
Net worth ratio
7.00%9.88%12.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.96%
Q3 202412.25%
Q4 202412.33%
Q1 202512.02%
Q2 202512.26%
Q3 202512.19%
Q4 202512.74%
Q1 202612.76%
Q2 202612.58%
Delinquent loans (60+ days)
0.42%0.63%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.75%
Q3 20240.47%
Q4 20240.42%
Q1 20250.54%
Q2 20250.64%
Q3 20250.48%
Q4 20250.83%
Q1 20260.71%
Q2 20260.67%
Return on assets
0.36%0.77%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.68%
Q3 20240.70%
Q4 20240.70%
Q1 20250.36%
Q2 20250.72%
Q3 20250.85%
Q4 20250.94%
Q1 20261.19%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$77.7M12.58%0.67%1.11%58.4%
Q1 202680$75.0M12.76%0.71%1.19%60.7%
Q4 202576$73.4M12.74%0.83%0.94%61.9%
Q3 202578$75.1M12.19%0.48%0.85%58.8%
Q2 202576$72.9M12.26%0.64%0.72%61.6%
Q1 202572$72.7M12.02%0.54%0.36%61.3%
Q4 202477$70.3M12.33%0.42%0.70%64.5%
Q3 202476$69.9M12.25%0.47%0.70%64.9%
Q2 202473$70.5M11.96%0.75%0.68%63.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.58%
36th
Problem loans0.67%
51st
Net charge-offs0.46%
29th
Return on assets1.11%
72nd
Loans to deposits58.4%
50th
Uninsured deposits6.8%
14th
Loan-loss reserves0.00%
37th
Texas ratio3.8%
37th

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Lennox Employees Credit UnionCredit union Marshalltown, IA55 out of 100, Moderate$73.4M8.6%0.89%vs
Power Co-Op Employees Credit UnionCredit union Humboldt, IA66 out of 100, Moderate$85.6M13.7%2.29%vs
Peoples Credit UnionCredit union Webster City, IA50 out of 100, Below average$91.4M10.6%2.16%vs
First Class Community Credit UnionCredit union West Des Moines, IA78 out of 100, Strong$95.8M10.8%0.37%vs
Metco Credit UnionCredit union Cedar Rapids, IA92 out of 100, Very strong$58.7M18.8%0.70%vs
Journey Credit UnionCredit union Des Moines, IA85 out of 100, Very strong$97.6M16.9%1.11%vs

Deposit insurance

Is my money safe at Des Moines Metro Credit Union?

Yes. Des Moines Metro Credit Union is a federally insured credit union (NCUA charter #64380). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.8% of shares and deposits ($4.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.58%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Des Moines Metro Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64380
RSSD ID
471598
Primary regulator
State + NCUA
Established
1938
Headquarters
100 University Avenue, Des Moines, IA 50314
Employees
13

Quick answers

Des Moines Metro Credit Union: common questions

Is Des Moines Metro Credit Union NCUA insured?

Yes. Des Moines Metro Credit Union is a federally insured credit union (NCUA charter #64380). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Des Moines Metro Credit Union's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.