# METRO
Arlington Heigh, IL · NCUA charter 21326 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/metro-21326

Who the members are: federal charter, community charter, organized 1973. 3,292 members of 1,008,154 potential (0.3% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 99.

**Verdict on the desk:** this could be *participation buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $78.7M |
| Members | 3,292 (0.9% YoY) |
| Full-time staff | 12 |
| Net worth | $7.4M |
| Net worth ratio | 9.5% (p15 of band) |
| ROA (annualized) | 0.73% (p52 of band) |
| Total delinquency | 0.71% (p56 of band) |
| Net charge-offs (annualized) | 0.03% (p23 of band) |
| Loans / shares | 56% (p42 of band) |
| Cash / assets | 23.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.49% (p40 of band) |
| Operating expense / assets | 3.21% (p38 of band) |
| Vehicles % of loans | 38% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 32% (p72 of band) |
| Vehicle delinquency | 1.43% (p81 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 21% |
| Average share balance | $13,160 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.4M |
| Loans outstanding per 100 members | 99% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $12,017 |
| Loans granted, annualized | $10.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.4M outstanding purchased (31.9% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 6.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | net worth falling, delinquency rising |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | margin squeeze |  |
| 2021-06 | 4 | delinquency 2x band | net worth falling |
| 2021-09 | 1 |  | delinquency rising, margin squeeze, delinquency 2x band |
| 2021-12 | 2 | net worth falling |  |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 0 |  | thin capital |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-17 [Two Missouri Credit Unions unite in strategic merger for a stronger future - CUInsight](https://news.google.com/rss/articles/CBMitgFBVV95cUxPbHpUcVN5R3NpbXBrS1JreWJCWXFSX3E0SWVHWktZUURPc3RLRHc4Zk5lbTRYUk9LeG80cUctRF9wcUxvckxTVGhLUW43ZnR5aXBaenVOMGR2OHdmLVdKZUo4WDJnTWhDeVNBSVdoUmlTcWE5YzZlRUsxc0hkbVFqeGp0Wk0wS2FRSkk1MmlWdHRVOWhhREVYazJkWE41WjE3YkhMZHF3N3RibGlxb1l4UUlDZkRnUQ?oc=5) · CUInsight
- 2026-05-01 [Big Metro East credit union creates C-suite role to support growth strategy - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPWmVUM21oTWN6UVNPdkNMcXJKMFRDY0xfOGNWeWdCUHlHQ0dvSHdCRC0wZUpCeWZ2dUtsMlRDeTFpNnRfTmhIdTdPT0lYUkp0d0FQbzBOZkZVWmlLOGw0cUZxeEdydDJTZUJjRHdkdjRvU2xRSk9fbmNjUkdxTFppbm9fWUJpM3JnS015SUlHUFBtV3cyWFlUcEVsVDNSSGNVVlAtQlZn?oc=5) · The Business Journals
- 2025-11-24 [St. Louis credit unions plan merger to create $700M institution amid rising costs - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZmlhRzdzUDVTTmhWX1pOSU1KU0d4akRYVzBiM1VIajRjZWFoRm53ajBUYXNTUm4zbkItQmhnc0ZUeGRPdWdiSTc2LW5ENFFzVTMyeDBLdWR3MUJsM3FIS3hzM01JWW9UTkZJUTVMMjRpLVZEcjB0YVlTWmladGhHbzZubmNrRXRGdWJkcWxWSk5wUzNmdnY2ZndWb1NKQWFKaG1UdV9NQVpldw?oc=5) · The Business Journals
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2022-02-25 [Metro Credit Union eliminates return fees; CEO says it's 'the right thing to do' - Omaha World-Herald](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcDlPRHl5RDhSVGlOZ3d5d3ZUVExBeGxSbDdwcGtWSE9ZWWZFdUZMMXcxUlBUNExwb2RoTVMwU1FYZmFBSzJMMFF5YkxFSXFva3c5VTRJa3Vrdno3WlZ6Q2owbjhqUWc5UUNTc2FuaG15S3hVRDg2ejFybkNJSmdPQVAxcw?oc=5) · Omaha World-Herald
- 2023-06-01 [Metro-east credit union rebrands with new name and other changes. What members can expect - Belleville News-Democrat](https://news.google.com/rss/articles/CBMiYkFVX3lxTE53OFhfRDRtYWUwQUR5Ri0tbm83ZVJiM1hmUnlLMXVqa2Q0bzVMYnFmYUJCTk8zZGFCYzNtc3p4bFczX3BpQzRWTjVqUnNzZWN4RUZTQm1UMWp2b3o2el9NeWtR0gFiQVVfeXFMTl9sQ3ZjYWpxT21uQnNGaU9WQ2tKczVFUVZaSWdqRmo4UFN6S211Yld4NEw2dVJMNENvdThQMnRQd01weXVnYnBSVEZma2NvOW9tYzRyck5xTGtVNXNUaGs1QXc?oc=5) · Belleville News-Democrat
- 2021-09-01 [With merger, Scott Credit Union establishes presence in Cook County - Illinois Business Journal](https://news.google.com/rss/articles/CBMipwFBVV95cUxQT0p2bWllRTFlOXdPdUxiMlZNWmtrY2tJbzZudFhoOEtmbkdwWU5uSUpYTEpHbUlUUlFNcFVnU3VvNDFDZVJjRUhsXzc2OTREN2JDY0FiaHpablRaTldIZy1RV2F0LU9Ddk1GNzJoYzdEcVo3enZfWktsem9RWkRCTXMtaG1ySTJCZmpuWmRBVk5xSHNpRS1HNktRdXRjeUh3bFZaSUZ2QQ?oc=5) · Illinois Business Journal
- 2026-01-27 [Kid Cudi announces ‘Rebel Ragers Tour’ covering entire discography; stops in Metro Detroit, Grand Rapids - MLive.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPZXZfTGRVWlNreGpkNDIyOWRkZDdzV3M4NGVCTXFib0ZablBPVFBYbnZTNHAwOFFDeWV2RHYzdnphN29XVkY2c0dvdjFpbTdVVllOS2VNY3Z2cThRX3NnWUIwdFVJQWpmYTRXSkFlN3N5Zm9LZHktSEMzS3R6QUpXU1BSQmx4dFRNM3FCQm1yTm4zNDB1WGRQYXpxcGJYX3F0MlhJaTRfU2F5UE9IVkRhd0poS21SSHA0UHVTaGM2RVRsWGdNNGFzMm1Ybm1zMEZKejdSLUN5dEdmbWhDR1VCOUdMaHk4UTl1OVE?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21326 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/14.json (key "21326", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=21326
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide