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Overview / Commentary
P.O. Box 5438
Huntington, WV 25703

Metro Community Credit Union is headquartered in Huntington and is the 27th largest credit union in the state of West Virginia. It is also the 3,099th largest credit union in the nation. It was established in 1953 and as of December of 2013, it had grown to 6 employees and 3,170 members. Metro Community Credit Union's savings rates are 92% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Cabell or Wayne County, WV or Lawrence County, OH. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Metro Community Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Metro Community Credit Union had $205,000 in non-current loans and owned real-estate with $2.4 million in equity and loan loss allowances on hand to cover it. This gives Metro Community Credit Union a Texas Ratio of 8.53% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Metro Community Credit Union experienced no significant changes from 8.82% as of December 31, 2012 to 8.53% as of December 31, 2013, resulting in a positive change of 3.31%.This indicates that the balance sheet and financial strength for Metro Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Metro Community Credit Union has increased its total deposits by $920,000, resulting in 3.93% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Metro Community Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Metro Community Credit Union has $26.75 million in assets with $2.4 million in equity, resulting in a capitalization level of 8.99%, which is average.

Institution Statistics

NCUA #8791
Year Chartered1953
Primary Regulator
Assets and Liabilities
Assets$26.75 million
Loans$10.53 million
Deposits$24.31 million
Equity Capital$2.34 million
Loan Loss Allowance$65,000
Unbacked Noncurrent Loans$205,000
Real Estate Owned$0
Historic Data - December 2012
Assets$25.80 million
Equity Capital$2.28 million
Loan Loss Allowance$70,000
Unbacked Noncurrent Loans$205,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6%
Return on Assets0.23%
Return on Equity2.65%
Interest Income$824,000
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Metro Community Credit Union Savings Account Rates

1.00%$20k-IRA Account
0.15%$100-Regular Savings
0.15%$100-CitySilver Savings
0.15%$100-ACES Savings
0.15%$100-CityKids Savings

Metro Community Credit Union CD Rates

1.16%$5k-60 Month CD
0.80%$5k-48 Month CD
0.65%$5k-36 Month CD
0.45%$5k-24 Month CD
0.25%$5k-18 Month CD

Metro Community Credit Union Locations
Branch Office215 18th StHuntington, WV 25703