PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Metropolitan Services

Saint Paul, MN · Charter 64999

NCUA · 2 branches

Q2 2026

$12.3MAssets
$6.6MLoans
$11.5MShares
$1.2MNet Worth

Executive Summary

  • Earnings: ROA of -0.36%, down 88 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.59%, down 24 bps from a year ago.
  • Funding: loans stand at 57.07% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.36%-88 bps YoY

Net Interest Margin (YTD, annualized)

3.90%+7 bps YoY

Efficiency Ratio (YTD, annualized)

92.57%+473 bps YoY

Net Worth / Assets

9.59%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.41%0.22%0.52%0.86%0.63%-0.09%-0.36%-88 bps
Return on Equity2.45%4.24%2.41%5.27%8.45%6.15%-0.93%-3.75%-902 bps
Net Interest Margin3.56%3.61%3.52%3.83%3.94%4.13%3.76%3.90%+7 bps
Efficiency Ratio93.27%90.06%98.13%87.84%81.78%84.15%93.10%92.57%+473 bps
Growth
Asset Growth (YoY)2.22%-3.11%0.87%-3.33%0.91%1.71%-2.95%4.33%+766 bps
Loan Growth (YoY)7.60%-0.88%-3.91%-3.16%7.97%8.80%14.07%6.43%+959 bps
Share Growth (YoY)-2.29%-6.04%-0.76%-5.88%-0.32%0.28%-4.28%4.11%+1,000 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.46%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.40%9.75%9.03%9.83%10.13%10.22%9.87%9.59%-24 bps
Net Worth / Assets9.40%9.75%9.03%9.83%10.13%10.22%9.87%9.59%-24 bps
Liquidity & Funding
Loans / Shares58.08%57.42%51.47%55.83%62.92%62.30%61.34%57.07%+124 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps