TellerScore

Metro North Federal Credit Union is a federal credit union headquartered in Jacksonville, Florida, in business for about 72 years. At the end of Q2 2026 it reported $21.7M in total assets and $17.9M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Metro North Federal Credit Union scores 87/100, which we describe as very strong. That is higher than 83% of 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 8th. Its strongest component is capital cushion (100/100; 16.74%), and its lowest is earnings (37/100; 0.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.74%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.07%
Earnings37/100
Return on assets (annualized): 0.42%
Funding & liquidity100/100
Loans ÷ shares: 46.0% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.15%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (88 → 87).

TellerScore
738290Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202490
Q4 202490
Q1 202589
Q2 202588
Q3 202588
Q4 202588
Q1 202686
Q2 202687
Net worth ratio
7.00%11.87%16.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202415.81%
Q3 202415.84%
Q4 202416.09%
Q1 202515.66%
Q2 202516.14%
Q3 202516.14%
Q4 202516.47%
Q1 202616.71%
Q2 202616.74%
Delinquent loans (60+ days)
0.00%0.97%1.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.94%
Q3 20240.00%
Q4 20240.03%
Q1 20250.02%
Q2 20250.13%
Q3 20250.08%
Q4 20250.04%
Q1 20260.11%
Q2 20260.07%
Return on assets
0.40%0.63%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.85%
Q3 20240.84%
Q4 20240.77%
Q1 20250.62%
Q2 20250.63%
Q3 20250.58%
Q4 20250.58%
Q1 20260.40%
Q2 20260.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$21.7M16.74%0.07%0.42%46.0%
Q1 202686$21.6M16.71%0.11%0.40%46.3%
Q4 202588$21.8M16.47%0.04%0.58%47.4%
Q3 202588$22.2M16.14%0.08%0.58%45.7%
Q2 202588$22.0M16.14%0.13%0.63%46.2%
Q1 202589$22.5M15.66%0.02%0.62%44.9%
Q4 202490$21.7M16.09%0.03%0.77%51.6%
Q3 202490$22.0M15.84%0.00%0.84%52.3%
Q2 202473$21.8M15.81%1.94%0.85%53.6%

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 ratio16.74%
64th
Problem loans0.07%
82nd
Net charge-offs0.00%
77th
Return on assets0.42%
38th
Loans to deposits46.0%
70th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.2%
83rd

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Federal Credit UnionCredit union Jacksonville, FL73 out of 100, Strong$22.4M10.6%0.00%vs
Financial Educators Federal Credit UnionCredit union Daytona Beach, FL90 out of 100, Very strong$23.5M15.7%0.00%vs
Monroe County Teachers Federal Credit UnionCredit union Key West, FL38 out of 100, Low$24.0M9.4%2.09%vs
South Atlantic Federal Credit UnionCredit union Boca Raton, FL56 out of 100, Moderate$17.8M9.1%1.27%vs
Suwannee River Federal Credit UnionCredit union Live Oak, FL83 out of 100, Strong$25.7M12.1%0.03%vs
Compass Financial Federal Credit UnionCredit union Hialeah, FL64 out of 100, Moderate$25.9M10.5%0.17%vs

Deposit insurance

Is my money safe at Metro North Federal Credit Union?

Yes. Metro North Federal Credit Union is a federally insured credit union (NCUA charter #9441). 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 0.0% of shares and deposits ($0) 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 16.74%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Metro North Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Metro North Federal Credit Union
Type
Federal credit union
NCUA charter #
9441
RSSD ID
47881
Primary regulator
NCUA
Established
1954
Headquarters
310 Dundas Dr, Jacksonville, FL 32218
Employees
5

Quick answers

Metro North Federal Credit Union: common questions

Is Metro North Federal Credit Union NCUA insured?

Yes. Metro North Federal Credit Union is a federally insured credit union (NCUA charter #9441). 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 North Federal Credit Union's TellerScore?

87 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 Metro North Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Jacksonville

InstitutionScoreAssetsCapitalProblem loansCompare
Mayo Employees Federal Credit UnionCredit union Rochester, MN98 out of 100, Very strong$1.5B14.9%0.05%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Southeastern BankBank Darien, GA86 out of 100, Very strong$624.9M13.4%0.38%vs
Container Mutual Credit UnionCredit union Fernandina Beac, FL85 out of 100, Very strong$5.5M48.0%0.41%vs
Tru Fi Credit UnionCredit union Macclenny, FL84 out of 100, Strong$146.4M12.6%0.60%vs
Cypress Bank & TrustBank Melbourne, FL79 out of 100, Strong$256.8M11.8%0.00%vs