TellerScore

Metco Credit Union is a federally insured state-chartered credit union headquartered in Cedar Rapids, Iowa, in business for about 69 years. At the end of Q2 2026 it reported $58.7M in total assets and $47.3M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Metco Credit Union scores 92/100, which we describe as very strong. That is higher than 92% of 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 5th. Its strongest component is capital cushion (100/100; 18.81%), and its lowest is loan quality (77/100; 0.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.81%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.70%
Earnings100/100
Return on assets (annualized): 2.65%
Funding & liquidity89/100
Loans ÷ shares: 70.9% · 0.8% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.12%

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 fell 4 points (96 → 92), mostly because the loan quality component weakened by 13 points.

TellerScore
929597Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202496
Q4 202496
Q1 202595
Q2 202596
Q3 202596
Q4 202597
Q1 202696
Q2 202692
Net worth ratio
7.00%12.90%18.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.37%
Q3 202415.82%
Q4 202416.45%
Q1 202516.42%
Q2 202516.87%
Q3 202517.35%
Q4 202518.11%
Q1 202618.20%
Q2 202618.81%
Delinquent loans (60+ days)
0.18%0.44%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.47%
Q3 20240.28%
Q4 20240.23%
Q1 20250.35%
Q2 20250.30%
Q3 20250.24%
Q4 20250.18%
Q1 20260.25%
Q2 20260.70%
Return on assets
2.10%2.39%2.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.65%
Q3 20242.66%
Q4 20242.54%
Q1 20252.10%
Q2 20252.55%
Q3 20252.68%
Q4 20252.65%
Q1 20262.18%
Q2 20262.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$58.7M18.81%0.70%2.65%70.9%
Q1 202696$58.2M18.20%0.25%2.18%70.5%
Q4 202597$56.7M18.11%0.18%2.65%72.7%
Q3 202596$57.1M17.35%0.24%2.68%71.3%
Q2 202596$56.2M16.87%0.30%2.55%70.1%
Q1 202595$55.2M16.42%0.35%2.10%68.8%
Q4 202496$53.3M16.45%0.23%2.54%71.5%
Q3 202496$53.6M15.82%0.28%2.66%71.6%
Q2 202494$52.8M15.37%0.47%2.65%73.7%

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 ratio18.81%
73rd
Problem loans0.70%
50th
Net charge-offs0.05%
62nd
Return on assets2.65%
98th
Loans to deposits70.9%
32nd
Uninsured deposits0.8%
56th
Loan-loss reserves0.00%
37th
Texas ratio2.1%
51st

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
5 Star Community Credit UnionCredit union Mount Pleasant, IA58 out of 100, Moderate$54.5M8.3%0.79%vs
Capitol View Credit UnionCredit union Des Moines, IA82 out of 100, Strong$46.1M18.7%0.41%vs
Lennox Employees Credit UnionCredit union Marshalltown, IA55 out of 100, Moderate$73.4M8.6%0.89%vs
Sioux Valley Community Credit UnionCredit union Sioux City, IA43 out of 100, Below average$43.6M10.4%2.65%vs
Fort Dodge Family Credit UnionCredit union Fort Dodge, IA63 out of 100, Moderate$41.5M12.9%1.86%vs
Des Moines Metro Credit UnionCredit union Des Moines, IA79 out of 100, Strong$77.7M12.6%0.67%vs

Deposit insurance

Is my money safe at Metco Credit Union?

Yes. Metco Credit Union is a federally insured credit union (NCUA charter #60013). 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 0.8% of shares and deposits ($397K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 18.81%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Metco Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Metco Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60013
RSSD ID
194598
Primary regulator
State + NCUA
Established
1957
Headquarters
115 8th Ave SW, Cedar Rapids, IA 52404
Employees
6

Quick answers

Metco Credit Union: common questions

Is Metco Credit Union NCUA insured?

Yes. Metco Credit Union is a federally insured credit union (NCUA charter #60013). 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 Metco Credit Union's TellerScore?

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

How many branches does Metco Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cedar Rapids

InstitutionScoreAssetsCapitalProblem loansCompare
Chelsea Savings BankBank Belle Plaine, IA93 out of 100, Very strong$196.9M16.0%0.24%vs
Farmers State BankBank Marion, IA91 out of 100, Very strong$1.1B14.4%0.21%vs
Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA87 out of 100, Very strong$2.9B16.9%0.54%vs
The Watkins Savings BankBank Watkins, IA87 out of 100, Very strong$86.7M14.8%0.00%vs
Benton County State BankBank Blairstown, IA87 out of 100, Very strong$50.8M15.2%0.00%vs
Farmers Trust & Savings BankBank Williamsburg, IA87 out of 100, Very strong$191.6M23.1%0.34%vs