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Overview / Commentary
700 Robbins Avenue
Philadelphia, PA 19111

Metropolitan Service Credit Union is headquartered in Philadelphia and is the 177th largest credit union in the state of Pennsylvania. It is also the 3,310st largest credit union in the nation. It was established in 1951 and as of December of 2013, it had grown to 11 employees and 3,385 members. Metropolitan Service Credit Union has a C- health rating.

Field of Membership Restrictions

Must be an employee or retiree of NSA Philadelphia. - See Details

Reviews (1)

Metropolitan Service FCU In Philadelphia PA has very high cd rates.

Small credit union with very high cd rates.  Field of membership is not listed on the web site so not sure who or what criteria is used to determine eligibility.  NCUA site indicates field of membership is primarily military.  See link provided.   I am not member of Metropolitan, but I wish I was.  Deposit rates are towards to the bottom of the screen.



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. Metropolitan Service 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 Metropolitan Service Credit Union had $1.06 million in non-current loans and owned real-estate with $2.17 million in equity and loan loss allowances on hand to cover it. This gives Metropolitan Service Credit Union a Texas Ratio of 48.57% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Metropolitan Service Credit Union increased slightly from 33.26% as of December 31, 2012 to 48.57% as of December 31, 2013, resulting in a negative change of 46.03%. This indicates that the balance sheet and financial strength for Metropolitan Service Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, Metropolitan Service Credit Union has increased its total deposits by $16,000, resulting in 0.08% 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 Metropolitan Service Credit Union has shown is above average.



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. Metropolitan Service Credit Union has $23.19 million in assets with $2.17 million in equity, resulting in a capitalization level of 9.37%, which is average.

Institution Statistics

NCUA #7161
Year Chartered1951
Primary Regulator
Assets and Liabilities
Assets$23.19 million
Loans$9.83 million
Deposits$21.23 million
Equity Capital$1.92 million
Loan Loss Allowance$258,000
Unbacked Noncurrent Loans$1.06 million
Real Estate Owned$0
Historic Data - December 2012
Assets$23.35 million
Equity Capital$2.08 million
Loan Loss Allowance$273,000
Unbacked Noncurrent Loans$1.06 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin8.78%
Return on Assets0.39%
Return on Equity4.75%
Interest Income$1.11 million
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Metropolitan Service Credit Union Savings Account Rates

0.25%$300-Share Accounts (Savings) Without Life Insurance
0.15%$300-Share Accounts (Savings) With Life Insurance
0.00%--Vacation Club Account
0.00%--Christmas Club Account
0.00%--Group Club Account

Metropolitan Service Credit Union Checking Account Rates

0.00%--Share Draft Accounts (Checking)

Metropolitan Service Credit Union Locations
Branch Office700 Robbins StPhiladelphia, PA 19111
Branch Office700 Robbins StPhiladelphia, PA 19111
Branch Office700 Robbins StPhiladelphia, PA 19111