Z — UnclassifiedEIN: 041695745

Metro Credit Union

Chelsea, Massachusetts

B+Health Score
70B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 664 peers in Unclassified with $100M-$1B revenue

Working Capital Ratio (net assets ÷ expenses)

This Org1.91×
Peer Median0.87×
💰
$149.5M
Total Revenue
📊
$134.5M
Total Expenses
🏦
$256.4M
Net Assets
📋
$3.2B
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+30.7%
Year-over-year change (2022 → 2023)
Net Margin
+10.0%
Revenue minus expenses as % of revenue
Working Capital Ratio
1.91
Net assets divided by total expenses
Liabilities-to-Assets
92.5%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$149,461,871↑31%$134,522,388↑60%$3,414,191,630↑8%
2022$114,336,853↑23%$83,937,696↑7%$3,156,507,565↑26%
2021$92,937,477↓8%$78,093,785↓9%$2,510,941,078↑5%
2020$101,297,996↑14%$85,388,608↑13%$2,385,374,276↑14%
2019$89,211,246↑13%$75,756,292↑17%$2,092,358,761↑11%
2018$79,251,770↑11%$64,685,998↑15%$1,877,534,257↑12%
2017$71,469,349↑11%$56,395,350↑1%$1,682,401,982↑3%
2016$64,430,195↑10%$56,107,971↑4%$1,633,755,224↑9%
2015$58,839,454↑4%$53,946,122↑3%$1,492,356,111↑9%
2014$56,815,520↓3%$52,378,292↓1%$1,364,539,522↑7%
2013$58,316,336↑1%$53,135,453↑13%$1,279,777,202↑14%
2012$57,522,772↑19%$47,121,551↑16%$1,126,560,711↑18%
2011$48,170,789$40,721,827$957,971,443

Frequently Asked Questions

What does Metro Credit Union do?▼

Metro Credit Union is a unclassified nonprofit organization based in Massachusetts. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Metro Credit Union financially healthy?▼

Based on our 9-metric Financial Health Score model, Metro Credit Union has a score of 70/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Metro Credit Union generate?▼

Metro Credit Union reports $173.4M in annual revenue and holds $3.4B in total assets, based on IRS filings.

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