South Metro
South Metro is a credit union based in Prior Lake, Minnesota, established in 1993, with $183 million in total assets serving 6,068 members. By Trust Grade it ranks 79th of 81 credit unions we track in Minnesota. Its net worth ratio of 8.2% trails most similarly sized credit unions (5th percentile), versus a Minnesota median of 12.2%. It was profitable over the most recent period, with a 0.12% return on assets. No consumer complaints against South Metro appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How South Metro compares to Minnesota peers
How we graded South Metro
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.2% capital ratio)
- Profitable (ROA 0.12%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for South Metro over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at South Metro insured?
Yes. South Metro is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
South Metro: frequently asked questions
Is South Metro a good credit union?
South Metro earns a Bankzia Trust Grade of C (77/100, "Average"), based on a financial-strength score of 77/100 (it has no CFPB complaints on record). Well-capitalized (8.2% capital ratio); Profitable (ROA 0.12%).
Is South Metro NCUA-insured?
Yes. South Metro is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is South Metro?
South Metro holds $183 million in total assets, ranking 79th of 81 credit unions we track in Minnesota. It serves 6,068 members.
Does South Metro have CFPB complaints?
No CFPB complaints against South Metro appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
