Seattle Metropolitan Credit Union is a federally insured state-chartered credit union headquartered in Seattle, Washington, in business for about 93 years. At the end of Q2 2026 it reported $1.2B in total assets and $921.1M in member shares and deposits, with 9 offices.
Seattle Metropolitan Credit Union has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 25% of its 454 credit unions with $1 billion – $10 billion. Among 73 credit unions headquartered in Washington, it ranks 56th. Problem-loan coverage contributes the most (89/100, 5.3%); earnings contributes the least (21/100, 0.04%).
TellerScore · Q2 2026
Scorecard
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 5 points (65 → 60), mostly because the earnings component weakened by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 58 |
| Q4 2024 | 60 |
| Q1 2025 | 64 |
| Q2 2025 | 65 |
| Q3 2025 | 65 |
| Q4 2025 | 63 |
| Q1 2026 | 58 |
| Q2 2026 | 60 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.14% |
| Q3 2024 | 11.98% |
| Q4 2024 | 12.07% |
| Q1 2025 | 12.08% |
| Q2 2025 | 12.26% |
| Q3 2025 | 12.44% |
| Q4 2025 | 11.93% |
| Q1 2026 | 11.71% |
| Q2 2026 | 11.50% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.91% |
| Q3 2024 | 0.86% |
| Q4 2024 | 0.99% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.65% |
| Q3 2025 | 0.78% |
| Q4 2025 | 0.75% |
| Q1 2026 | 0.67% |
| Q2 2026 | 0.63% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.41% |
| Q3 2024 | -0.31% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.28% |
| Q3 2025 | 0.35% |
| Q4 2025 | 0.30% |
| Q1 2026 | -0.32% |
| Q2 2026 | 0.04% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $1.2B | 11.50% | 0.63% | 0.04% | 107.3% |
| Q1 2026 | 58 | $1.1B | 11.71% | 0.67% | -0.32% | 106.0% |
| Q4 2025 | 63 | $1.1B | 11.93% | 0.75% | 0.30% | 106.3% |
| Q3 2025 | 65 | $1.1B | 12.44% | 0.78% | 0.35% | 104.2% |
| Q2 2025 | 65 | $1.1B | 12.26% | 0.65% | 0.28% | 104.2% |
| Q1 2025 | 64 | $1.1B | 12.08% | 0.65% | 0.28% | 104.0% |
| Q4 2024 | 60 | $1.1B | 12.07% | 0.99% | 0.15% | 107.5% |
| Q3 2024 | 58 | $1.1B | 11.98% | 0.86% | -0.31% | 103.3% |
| Q2 2024 | 57 | $1.1B | 12.14% | 0.91% | -0.41% | 101.1% |
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).
Similar-size credit unions in Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Salal Credit UnionCredit union Seattle, WA | 57 out of 100, Moderate | $1.2B | 9.2% | 0.60% | vs |
| Red Canoe Credit UnionCredit union Longview, WA | 72 out of 100, Strong | $1.2B | 12.3% | 0.60% | vs |
| Fibre Federal Credit UnionCredit union Longview, WA | 75 out of 100, Strong | $1.8B | 13.7% | 0.96% | vs |
| Horizon Credit UnionCredit union Spokane Valley, WA | 75 out of 100, Strong | $2.0B | 13.1% | 0.27% | vs |
| Iq Credit UnionCredit union Vancouver, WA | 70 out of 100, Strong | $2.2B | 11.3% | 0.79% | vs |
| Kitsap Credit UnionCredit union Bremerton, WA | 54 out of 100, Below average | $2.5B | 8.3% | 0.79% | vs |
Deposit insurance
Is my money safe at Seattle Metropolitan Credit Union?
Yes. Seattle Metropolitan Credit Union is a federally insured credit union (NCUA charter #68315). 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 ($134.9M) 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 11.50%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
9 locations
Branches
Seattle Metropolitan Credit Union lists 9 offices in 6 cities. Most locations:
- Seattle, WA (4)
- Burien, WA (1)
- Lynnwood, WA (1)
- Tacoma, WA (1)
- Tukwila, WA (1)
- Yakima, WA (1)
HMDA 2025
Mortgage lending
In 2025, Seattle Metropolitan Credit Union reported 252 home-loan applications under HMDA (LEI 5493007QERYQSQ3QNH02): 56 originated ($48,920,000 total), 57 denied, and 133 withdrawn or closed by the applicant. Its denial rate on decided applications was 47.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Seattle Metropolitan Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68315
- RSSD ID
- 74793
- Primary regulator
- State + NCUA
- Established
- 1933
- Headquarters
- 1910 1st Ave S, Seattle, WA 98134
- Employees
- 176
Quick answers
Seattle Metropolitan Credit Union: common questions
Is Seattle Metropolitan Credit Union NCUA insured?
Yes. Seattle Metropolitan Credit Union is a federally insured credit union (NCUA charter #68315). 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 Seattle Metropolitan Credit Union's TellerScore?
60 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 Seattle Metropolitan Credit Union have?
9 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Seattle
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Topeka Firemen'S Credit UnionCredit union Topeka, KS | 92 out of 100, Very strong | $11.7M | 25.8% | 0.03% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Cascade Federal Credit UnionCredit union Kent, WA | 88 out of 100, Very strong | $392.6M | 13.3% | 0.79% | vs |
| American Continental BankBank City Of Industry, CA | 87 out of 100, Very strong | $385.3M | 16.2% | 0.37% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |
| Our Community Credit UnionCredit union Shelton, WA | 82 out of 100, Strong | $638.3M | 12.7% | 0.48% | vs |