Metro Credit Union

Metro Credit Union is headquartered in Chelsea and is the 5^th largest credit union in the state of Massachusetts. It is also the 193^rd largest credit union in the nation. It was established in 1926 and as of December of 2011, it had grown to 233 employees and 138,486 members. Metro Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Metro Credit Union Savings Account Rates

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Metro Credit Union IRA Rates

Data for Q4 2011

Institution Statistics METRO NCUA # 66364 BankRate Report View Year Chartered 1926 Employees 233 Primary Regulator Assets and Liabilities Assets $957.92 million Loans $736.67 million Deposits $778.65 million Equity Capital $104.86 million Loan Loss Allowance $6.52 million Unbacked Noncurrent Loans $5.12 million Real Estate Owned $129,000 Historic Data - December 2010 Assets $783.36 million Equity Capital $92.08 million Loan Loss Allowance $6.85 million Unbacked Noncurrent Loans $4.85 million Real Estate Owned $414,000 Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets 0.78% Return on Equity 7.1% Interest Income $36.99 million Non-Interest Income $11.41 million

Institution Health Overall Score: 5 out of 5 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, 2011 Metro Credit Union had $5.25 million in non-current loans and owned real-estate with $111.38 million in equity and loan loss allowances on hand to cover it. This gives Metro Credit Union a Texas Ratio of 4.71% 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 Credit Union held steady from 5.32% as of December 31, 2010 to 4.71% as of December 31, 2011, resulting in a positive change of 11.41%.This indicates that the balance sheet and financial strength for Metro Credit Union has held steady in recent periods. Deposit Growth In the past year, Metro Credit Union has increased its total deposits by $114.04 million, resulting in 17.16% 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 Credit Union has shown is excellent. Capitalization 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 Credit Union has $957.92 million in assets with $111.38 million in equity, resulting in a capitalization level of 11.63%, which is above average.

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