Metro Community

Huntington, WV · 1 · Charter #8791 · www.metrocommunityfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$48.5M
99th percentile
Members
4,600
97th percentile
Total loans
$27.1M
96th percentile
Total shares
$43.5M
99th percentile

Profitability

Return on assets
1.34%
74th percentile
Net interest margin
5.08%
84th percentile
Efficiency ratio
72.90%
38th percentile
Non-interest income ratio
14.80%
68th percentile

Capital & Risk

Net worth ratio
9.40%
12th percentile
Delinquency rate
3.00%
15th percentile
Net charge-off rate
0.60%
28th percentile
Loan-to-share
62.29%
52th percentile

Growth

Member growth YoY
-1.75%
46th percentile
Asset growth YoY
7.99%
87th percentile
Loan growth YoY
-1.91%
55th percentile
Share growth YoY
7.62%
86th percentile

Operations

Members / branch
2,300
83th percentile
Assets / member
$10,541
61th percentile
Field of membership penetration
6.22%
20th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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