METRO COMMUNITY
Charter #8791 | WV
<100M
(2596 CUs)
Micro
($0-$500M)
63 <100M in WV
METRO COMMUNITY has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + Net Interest Margin 1.15% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 1.40% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,628
-0.1% YoY-1.0% QoQ
|
+2.0K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Top 16.8% in tier |
| Assets |
$47.6M
+8.1% YoY-1.4% QoQ
|
+$17.7M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
Top 24.0% in tier |
| Loans |
$27.9M
-0.4% YoY-0.6% QoQ
|
+$12.1M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
Top 20.4% in tier |
| Deposits |
$42.6M
+7.6% YoY-2.0% QoQ
|
+$17.1M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
Top 22.8% in tier |
| ROA |
1.0%
+2.3% YoY+10.6% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
60th in tier |
| NIM |
5.1%
+5.9% YoY+2.1% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 12.8% in tier |
| Efficiency Ratio |
76.9%
+1.5% YoY-2.5% QoQ
|
-4.5% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
46th in tier |
| Delinquency Rate |
2.9%
+76.5% YoY+40.9% QoQ
|
+1.4 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
Top 12.4% in tier |
| Loan To Share |
65.5%
-7.4% YoY+1.3% QoQ
|
+4.2% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
56th in tier |
| AMR |
$15,221
+4.4% YoY-0.4% QoQ
|
+$594 |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
59th in tier |
| CD Concentration |
8.4%
-12.8% YoY+19.1% QoQ
|
-16.0% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
6.0%
-25.6% YoY-4.5% QoQ
|
-7.9% |
14.0%
-5.8% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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 (7 metrics)
332
Net Interest Margin (NIM)
profitability
Value:
5.08%
Peer Avg: 3.93%
#332 of 2596
Top 12.8% in <100M tier
337
Asset Growth Rate
growth
Value:
8.07%
Peer Avg: 1.82%
#337 of 2596
Top 12.9% in <100M tier
379
Deposit Growth Rate
growth
Value:
7.60%
Peer Avg: 16.80%
#379 of 2596
Top 14.6% in <100M tier
435
Total Members
engagement
Value:
4,628
Peer Avg: 2,626
#435 of 2596
Top 16.7% in <100M tier
530
Total Loans
balance_sheet
Value:
$27.87M
Peer Avg: $15.77M
#530 of 2596
Top 20.4% in <100M tier
592
Total Deposits
balance_sheet
Value:
$42.57M
Peer Avg: $25.45M
#592 of 2596
Top 22.8% in <100M tier
623
Total Assets
balance_sheet
Value:
$47.58M
Peer Avg: $29.86M
#623 of 2596
Top 24.0% in <100M tier
Top Weaknesses (4 metrics)
2319
Indirect Auto Concentration (%)
balance_sheet
Value:
6.03%
Peer Avg: 2.84%
#2319 of 2596
Bottom 10.7% in <100M tier
2276
Total Delinquency Rate (60+ days)
risk
Value:
2.91%
Peer Avg: 1.51%
#2276 of 2596
Bottom 12.4% in <100M tier
2237
Net Worth Ratio
risk
Value:
9.61%
Peer Avg: 16.43%
#2237 of 2596
Bottom 13.9% in <100M tier
2174
First Mortgage Concentration (%)
balance_sheet
Value:
34.30%
Peer Avg: 14.49%
#2174 of 2596
Bottom 16.3% in <100M tier