METRO
Charter #66364 | MA
3B-5B
(76 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
2 3B-5B in MA
METRO has 5 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 33.6% in tier
- + Total Delinquency Rate (60+ days): Top 3.9% in tier
- + Net Charge-Off Rate: Top 5.3% in tier
- + Loan-to-Share Ratio: Top 6.6% in tier
- + Members Per Employee (MPE): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 2.5% in tier
- - Shrinking Wallet Share: Bottom 5.0% in tier
- - Efficiency Drag: Bottom 10.0% in tier
- - Capital Constraint: Bottom 12.1% in tier
- - Liquidity Strain: Bottom 14.1% in tier
- - Credit Quality Pressure: Bottom 24.4% in tier
- - Indirect Auto Dependency: Bottom 27.3% in tier
- - ROA 0.37% below tier average
- - Efficiency ratio 12.16% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 5.3% in tier
- - Asset Growth Rate: Bottom 6.6% in tier
- - Loan Growth Rate: Bottom 6.6% in tier
- - Deposit Growth Rate: Bottom 7.9% in tier
- - AMR Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
219,006
+1.2% YoY+1.1% QoQ
|
-19.5K |
238,465
+0.6% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
50th in tier |
| Assets |
$3.2B
-6.2% YoY-1.3% QoQ
|
$-740.7M |
$4.0B
-0.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.2% in tier |
| Loans |
$2.8B
-6.0% YoY-0.0% QoQ
|
$-219.4M |
$3.0B
+3.3% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
36th in tier |
| Deposits |
$2.6B
-3.9% YoY-0.8% QoQ
|
$-710.5M |
$3.3B
+1.1% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.2% in tier |
| ROA |
0.4%
+65.2% YoY-17.4% QoQ
|
-0.4% |
0.7%
+5.3% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 15.8% in tier |
| NIM |
1.9%
+17.6% YoY+4.4% QoQ
|
-1.3% |
3.2%
+13.7% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.9% in tier |
| Efficiency Ratio |
83.4%
-4.3% YoY+3.5% QoQ
|
+12.2% |
71.3%
-0.6% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 9.2% in tier |
| Delinquency Rate |
0.2%
+16.2% YoY-7.7% QoQ
|
-0.7 |
0.8%
+15.9% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Bottom 3.9% in tier |
| Loan To Share |
106.7%
-2.2% YoY+0.8% QoQ
|
+15.9% |
90.8%
+2.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 7.9% in tier |
| AMR |
$24,758
-6.2% YoY-1.5% QoQ
|
$-4K |
$29,088
+0.1% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
28th in tier |
| CD Concentration |
32.3%
-4.1% YoY+1.7% QoQ
|
+3.3% |
29.0%
+0.8% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
66th in tier |
| Indirect Auto % |
30.8%
-10.2% YoY-1.0% QoQ
|
+12.0% |
18.8%
-2.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
Top 23.2% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growth
#244 of 246 • Top 33.6% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
1.22%
(Tier:
3.18%, National:
9.37%)
Return on Assets:
0.37%
(Tier:
0.71%, National:
0.71%)
Indirect Auto %:
30.78%
(Tier:
18.80%, National:
7.90%)
246 of 380 Mid-Market CUs have this signature
| 917 nationally
↑ Growing
+14 CUs YoY
|
Rank worsening
Concerns (7)
Deposit Outflow
decline
#4 of 25 • Bottom 2.5% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-3.93%
(Tier:
6.24%, National:
12.00%)
Total Assets:
$3.23B
(Tier: $3.97B, National: $547.69M)
25 of 380 Mid-Market CUs have this signature
| 143 nationally
↓ Shrinking
-42 CUs YoY
|
New qualifier
Shrinking Wallet Share
decline
#16 of 83 • Bottom 5.0% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-6.16%
(Tier:
3.04%, National:
4.19%)
83 of 380 Mid-Market CUs have this signature
| 346 nationally
↓ Shrinking
-55 CUs YoY
|
Rank improving
Efficiency Drag
risk
#34 of 96 • Bottom 10.0% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
83.43%
(Tier:
73.45%, National:
79.10%)
ROA Change (YoY):
0.15% points
(Tier:
0.07% points, National:
0.05% points)
Member Growth (YoY):
1.22%
(Tier:
3.18%, National:
9.37%)
96 of 380 Mid-Market CUs have this signature
| 624 nationally
↓ Shrinking
-32 CUs YoY
|
Rank improving
Capital Constraint
risk
#5 of 9 • Bottom 12.1% in tier
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Why This Signature
Loan-to-Share Ratio:
106.75%
(Tier:
86.35%, National:
67.96%)
Deposit Growth (YoY):
-3.93%
(Tier:
6.24%, National:
12.00%)
Net Worth Ratio:
9.13%
(Tier:
11.30%, National:
14.51%)
9 of 380 Mid-Market CUs have this signature
| 29 nationally
↓ Shrinking
-9 CUs YoY
|
New qualifier
Liquidity Strain
risk
#75 of 183 • Bottom 14.1% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
106.75%
(Tier:
86.35%, National:
67.96%)
Loan Growth (YoY):
-6.01%
(Tier:
6.14%, National:
36.38%)
183 of 380 Mid-Market CUs have this signature
| 484 nationally
↑ Growing
+10 CUs YoY
|
Rank worsening
Credit Quality Pressure
risk
#188 of 217 • Bottom 24.4% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.02% points
(Tier:
0.07% points, National:
0.07% points)
217 of 380 Mid-Market CUs have this signature
| 1002 nationally
↓ Shrinking
-70 CUs YoY
|
Rank improving
Indirect Auto Dependency
risk
#169 of 202 • Bottom 27.3% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
-6.19%
(Tier:
5.36%, National:
3.04%)
Indirect Auto %:
30.78%
(Tier:
18.80%, National:
7.90%)
Member Growth (YoY):
1.22%
(Tier:
3.18%, National:
9.37%)
202 of 380 Mid-Market CUs have this signature
| 768 nationally
↓ Shrinking
-7 CUs YoY
|
Rank worsening
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (4 metrics)
4
Total Delinquency Rate (60+ days)
risk
Value:
0.17%
Peer Avg: 0.84%
#4 of 76
Top 3.9% in 3B-5B tier
5
Net Charge-Off Rate
risk
Value:
0.11%
Peer Avg: 0.64%
#5 of 76
Top 5.3% in 3B-5B tier
6
Loan-to-Share Ratio
balance_sheet
Value:
106.75%
Peer Avg: 90.85%
#6 of 76
Top 6.6% in 3B-5B tier
7
Members Per Employee (MPE)
engagement
Value:
695.257
Peer Avg: 433.941
#7 of 76
Top 7.9% in 3B-5B tier
Top Weaknesses (12 metrics)
73
Net Interest Margin (NIM)
profitability
Value:
1.94%
Peer Avg: 3.20%
#73 of 76
Bottom 5.3% in 3B-5B tier
72
Asset Growth Rate
growth
Value:
-6.19%
Peer Avg: 7.42%
#72 of 76
Bottom 6.6% in 3B-5B tier
72
Loan Growth Rate
growth
Value:
-6.01%
Peer Avg: 9.56%
#72 of 76
Bottom 6.6% in 3B-5B tier
71
Deposit Growth Rate
growth
Value:
-3.93%
Peer Avg: 8.84%
#71 of 76
Bottom 7.9% in 3B-5B tier
71
AMR Growth Rate
growth
Value:
-6.16%
Peer Avg: 2.07%
#71 of 76
Bottom 7.9% in 3B-5B tier
70
Efficiency Ratio
profitability
Value:
83.43%
Peer Avg: 71.26%
#70 of 76
Bottom 9.2% in 3B-5B tier
69
Total Assets
balance_sheet
Value:
$3.23B
Peer Avg: $3.97B
#69 of 76
Bottom 10.5% in 3B-5B tier
69
Total Deposits
balance_sheet
Value:
$2.62B
Peer Avg: $3.33B
#69 of 76
Bottom 10.5% in 3B-5B tier
65
Fee Income Per Member
profitability
Value:
$110.75
Peer Avg: $191.96
#65 of 76
Bottom 15.8% in 3B-5B tier
64
Return on Assets (ROA)
profitability
Value:
0.37%
Peer Avg: 0.75%
#64 of 76
Bottom 17.1% in 3B-5B tier