TellerScore

Metro Credit Union (NCUA charter #66364) is based in Chelsea, Massachusetts. Its Q2 2026 call report shows $3.3B in total assets and $2.8B in member shares and deposits and 11 offices.

Metro Credit Union has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 454 credit unions with $1 billion – $10 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 102nd. Problem-loan coverage contributes the most (88/100, 5.8%); earnings contributes the least (34/100, 0.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Net worth ratio: 9.18%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.62%
Earnings34/100
Return on assets (annualized): 0.35%
Funding & liquidity61/100
Loans ÷ shares: 99.6% · 14.6% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.84%

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 (61 → 57), mostly because the loan quality component weakened by 15 points.

TellerScore
565961Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202457
Q4 202457
Q1 202561
Q2 202561
Q3 202561
Q4 202560
Q1 202656
Q2 202657
Net worth ratio
7.00%8.09%9.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.18%
Q3 20248.23%
Q4 20248.31%
Q1 20258.61%
Q2 20258.96%
Q3 20259.13%
Q4 20259.02%
Q1 20269.08%
Q2 20269.18%
Delinquent loans (60+ days)
0.12%0.37%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.13%
Q3 20240.14%
Q4 20240.19%
Q1 20250.12%
Q2 20250.18%
Q3 20250.17%
Q4 20250.25%
Q1 20260.59%
Q2 20260.62%
Return on assets
0.23%0.38%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.23%
Q4 20240.24%
Q1 20250.53%
Q2 20250.46%
Q3 20250.38%
Q4 20250.36%
Q1 20260.27%
Q2 20260.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$3.3B9.18%0.62%0.35%99.6%
Q1 202656$3.3B9.08%0.59%0.27%101.0%
Q4 202560$3.3B9.02%0.25%0.36%104.6%
Q3 202561$3.2B9.13%0.17%0.38%106.7%
Q2 202561$3.3B8.96%0.18%0.46%105.9%
Q1 202561$3.4B8.61%0.12%0.53%103.9%
Q4 202457$3.4B8.31%0.19%0.24%108.5%
Q3 202457$3.4B8.23%0.14%0.23%109.1%
Q2 202458$3.5B8.18%0.13%0.34%108.1%

454 peers · $1 billion – $10 billion

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 ratio9.18%
13th
Problem loans0.62%
56th
Net charge-offs0.15%
89th
Return on assets0.35%
14th
Loans to deposits99.6%
15th
Uninsured deposits14.6%
15th
Loan-loss reserves0.00%
50th
Texas ratio5.8%
39th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Rockland Federal Credit UnionCredit union Rockland, MA65 out of 100, Moderate$3.8B10.3%0.38%vs
Workers Federal Credit UnionCredit union Littleton, MA53 out of 100, Below average$2.5B10.1%0.81%vs
Brightbridge Credit UnionCredit union Lawrence, MA64 out of 100, Moderate$2.4B10.6%0.82%vs
Jeanne D'Arc Credit UnionCredit union Lowell, MA60 out of 100, Moderate$2.2B9.1%0.30%vs
Hanscom Federal Credit UnionCredit union Hanscom AFB, MA64 out of 100, Moderate$2.2B10.5%0.51%vs
Greylock Federal Credit UnionCredit union Pittsfield, MA67 out of 100, Moderate$1.8B12.8%1.35%vs

Deposit insurance

Is my money safe at Metro Credit Union?

Yes. Metro Credit Union is a federally insured credit union (NCUA charter #66364). 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 14.6% of shares and deposits ($402.2M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.18%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

11 locations

Branches

Metro Credit Union lists 11 offices in 9 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Metro Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66364
RSSD ID
110794
Primary regulator
State + NCUA
Established
1926
Headquarters
200 Revere Beach Pkwy, Chelsea, MA 02150
Employees
334

Quick answers

Metro Credit Union: common questions

Is Metro Credit Union NCUA insured?

Yes. Metro Credit Union is a federally insured credit union (NCUA charter #66364). 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 Credit Union's TellerScore?

57 out of 100 (Moderate), 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 Credit Union have?

11 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Chelsea

InstitutionScoreAssetsCapitalProblem loansCompare
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs
Danvers Municipal Federal Credit UnionCredit union Danvers, MA91 out of 100, Very strong$8.2M39.0%0.00%vs