TellerScore

Metropolitan Services Credit Union (NCUA charter #64999) is based in Saint Paul, Minnesota. Its Q2 2026 call report shows $12.3M in total assets and $11.5M in member shares and deposits and 1 office.

Metropolitan Services Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 2,479 credit unions with under $100 million in assets. Among 80 credit unions headquartered in Minnesota, it ranks 61st. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (6/100, -0.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.59%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings6/100
Return on assets (annualized): -0.36%
Funding & liquidity100/100
Loans ÷ shares: 57.1% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 8 points (73 → 65), mostly because the earnings component weakened by 35 points.

TellerScore
657176Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202472
Q1 202568
Q2 202573
Q3 202576
Q4 202570
Q1 202668
Q2 202665
Net worth ratio
7.00%8.61%10.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.00%
Q3 20249.40%
Q4 20249.75%
Q1 20259.03%
Q2 20259.83%
Q3 202510.13%
Q4 202510.22%
Q1 20269.87%
Q2 20269.59%
Delinquent loans (60+ days)
0.00%0.23%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.46%
Q1 20260.00%
Q2 20260.00%
Return on assets
-0.36%0.25%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.19%
Q3 20240.23%
Q4 20240.41%
Q1 20250.22%
Q2 20250.52%
Q3 20250.86%
Q4 20250.63%
Q1 2026-0.09%
Q2 2026-0.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$12.3M9.59%0.00%-0.36%57.1%
Q1 202668$12.2M9.87%0.00%-0.09%61.3%
Q4 202570$11.8M10.22%0.46%0.63%62.3%
Q3 202576$11.9M10.13%0.00%0.86%62.9%
Q2 202573$11.8M9.83%0.00%0.52%55.8%
Q1 202568$12.5M9.03%0.00%0.22%51.5%
Q4 202472$11.6M9.75%0.00%0.41%57.4%
Q3 202469$11.8M9.40%0.00%0.23%58.1%
Q2 202468$12.2M9.00%0.00%0.19%54.3%

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 ratio9.59%
13th
Problem loans0.00%
94th
Net charge-offs1.70%
7th
Return on assets-0.36%
13th
Loans to deposits57.1%
52nd
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Austin City Employees Credit UnionCredit union Austin, MN97 out of 100, Very strong$11.6M19.1%0.00%vs
Mower County Employees Credit UnionCredit union Austin, MN90 out of 100, Very strong$13.4M14.7%0.17%vs
Teamsters Credit UnionCredit union Blaine, MN67 out of 100, Moderate$13.5M9.6%0.43%vs
Alexandria Schools Employees Credit UnionCredit union Alexandria, MN55 out of 100, Moderate$9.3M14.9%4.61%vs
First Pace Credit UnionCredit union West St Paul, MN75 out of 100, Strong$8.7M18.9%0.25%vs
Electric Machinery Employees Credit UnionCredit union Minneapolis, MN71 out of 100, Strong$8.4M24.6%1.20%vs

Deposit insurance

Is my money safe at Metropolitan Services Credit Union?

Yes. Metropolitan Services Credit Union is a federally insured credit union (NCUA charter #64999). 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 9.59%, 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

Metropolitan Services Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Metropolitan Services Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64999
RSSD ID
267698
Primary regulator
State + NCUA
Established
1939
Headquarters
475 Etna St Ste 27, Saint Paul, MN 55106
Employees
3

Quick answers

Metropolitan Services Credit Union: common questions

Is Metropolitan Services Credit Union NCUA insured?

Yes. Metropolitan Services Credit Union is a federally insured credit union (NCUA charter #64999). 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 Metropolitan Services Credit Union's TellerScore?

65 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 Metropolitan Services Credit Union have?

1 office as of the latest NCUA data.