TellerScore

Metro Community Federal Credit Union (NCUA charter #8791) is based in Huntington, West Virginia. Its Q2 2026 call report shows $51.7M in total assets and $46.2M in member shares and deposits and 1 office.

Metro Community Federal Credit Union has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 68th. Funding & liquidity contributes the most (100/100, 57% loans-to-deposits, 10% uninsured); loan quality contributes the least (10/100, 2.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.67%
Loan quality10/100
Loans 60+ days delinquent ÷ total loans: 2.71%
Earnings63/100
Return on assets (annualized): 1.08%
Funding & liquidity100/100
Loans ÷ shares: 57.1% · 10.2% uninsured
Problem-loan coverage68/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 15.85%

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 2 points (53 → 51), mostly because the loan quality component weakened by 21 points.

TellerScore
455463Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202457
Q4 202457
Q1 202562
Q2 202553
Q3 202547
Q4 202545
Q1 202659
Q2 202651
Net worth ratio
7.00%8.33%9.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.30%
Q3 20249.29%
Q4 20249.35%
Q1 20259.42%
Q2 20259.09%
Q3 20259.61%
Q4 20259.51%
Q1 20269.54%
Q2 20269.67%
Delinquent loans (60+ days)
1.00%2.00%3.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.00%
Q3 20241.65%
Q4 20241.62%
Q1 20251.02%
Q2 20252.07%
Q3 20252.91%
Q4 20253.00%
Q1 20261.49%
Q2 20262.71%
Return on assets
0.68%0.88%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20240.96%
Q4 20240.89%
Q1 20250.68%
Q2 20250.87%
Q3 20250.98%
Q4 20250.81%
Q1 20260.79%
Q2 20261.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$51.7M9.67%2.71%1.08%57.1%
Q1 202659$51.1M9.54%1.49%0.79%58.3%
Q4 202545$48.5M9.51%3.00%0.81%62.3%
Q3 202547$47.6M9.61%2.91%0.98%65.5%
Q2 202553$48.2M9.09%2.07%0.87%64.6%
Q1 202562$47.5M9.42%1.02%0.68%65.1%
Q4 202457$44.9M9.35%1.62%0.89%68.3%
Q3 202457$44.0M9.29%1.65%0.96%70.7%
Q2 202463$44.4M9.30%1.00%0.95%69.4%

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 ratio9.67%
14th
Problem loans2.71%
15th
Net charge-offs0.31%
38th
Return on assets1.08%
71st
Loans to deposits57.1%
52nd
Uninsured deposits10.2%
7th
Loan-loss reserves0.00%
37th
Texas ratio15.8%
6th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Wv National Guard Federal Credit UnionCredit union Charleston, WV98 out of 100, Very strong$51.6M14.8%0.00%vs
Ravenswood Federal Credit UnionCredit union Ravenswood, WV57 out of 100, Moderate$53.6M8.4%0.99%vs
Element Federal Credit UnionCredit union Charleston, WV76 out of 100, Strong$47.3M21.8%1.38%vs
Mountain Heritage Federal Credit UnionCredit union Parkersburg, WV54 out of 100, Below average$47.0M14.5%3.24%vs
Huntingtonized Federal Credit UnionCredit union Huntington, WV70 out of 100, Strong$46.7M16.8%2.16%vs
Kemba Charleston Federal Credit UnionCredit union Dunbar, WV81 out of 100, Strong$44.7M20.6%1.00%vs

Deposit insurance

Is my money safe at Metro Community Federal Credit Union?

Yes. Metro Community Federal Credit Union is a federally insured credit union (NCUA charter #8791). 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 10.2% of shares and deposits ($4.7M) 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 9.67%, 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

Metro Community Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Metro Community Federal Credit Union
Type
Federal credit union
NCUA charter #
8791
RSSD ID
296483
Primary regulator
NCUA
Established
1953
Headquarters
P O Box 5438, Huntington, WV 25703
Employees
13

Quick answers

Metro Community Federal Credit Union: common questions

Is Metro Community Federal Credit Union NCUA insured?

Yes. Metro Community Federal Credit Union is a federally insured credit union (NCUA charter #8791). 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 Metro Community Federal Credit Union's TellerScore?

51 out of 100 (Below average), 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 Metro Community Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Huntington

InstitutionScoreAssetsCapitalProblem loansCompare
Kentucky Farmers Bank CorporationBank Catlettsburg, KY93 out of 100, Very strong$328.5M15.7%0.43%vs
Pace Federal Credit UnionCredit union Huntington, WV86 out of 100, Very strong$8.7M12.9%0.00%vs
Liberty BankBank Ironton, OH82 out of 100, Strong$55.7M18.0%0.77%vs
First Priority Federal Credit UnionCredit union Huntington, WV82 out of 100, Strong$74.8M12.5%1.14%vs
F.C.I. Ashland Federal Credit UnionCredit union Ashland, KY81 out of 100, Strong$8.8M14.3%0.00%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs