Federal credit union · MONTEREY, California · NCUA charter #97071
MONTEREY
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $357.3M
- Total assets
- 20,142
- Members
- 8.7%
- Net-worth ratio
MONTEREY scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $357.3M; members 20,142; net-worth ratio 8.70%; health rank #3,213 of 4,374; healthier than 26th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,213 of 4,374 health · 2025Q4MONTEREY · health 76/100 · $357.3M · 2025Q4
- ASSETS 76/100
- MEM 8.7%
- RANK 1.06%
- PHOTO -0.89%
- BOOK $357.3M
- CHARTER 20,142
- NCUSIF #3,213/4,374
- CAMELS MY
- HEALTH 97071
Call Report peers
MONTEREY in the assets neighbourhood
MONTEREY's $357.3M assets sit next to MY ($357.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MONTEREY vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
MONTEREY - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #97071: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
MONTEREY: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 81.31% vs peer 72.20% (+9.11 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.41 pp (8.70% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where MONTEREY sits in California
- Health composite ranks #187 of 243 among scored California credit unions.
- California assets place: #101 of 243.
- California membership ordinal: #102 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
MONTEREY: 2025Q4 → 2026Q1
MONTEREY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $357.3M (2025Q4) to $357.0M (2026Q1).
- Net-worth ratio shifted -0.34 pp (9.04% → 8.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.70%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 26.7 pts
- Delinquency Rate 19.6 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.7 pts
MONTEREY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.70% | -3.41 pp |
| Delinquency Rate | 1.06% | +0.16 pp |
| Return on Assets | -0.89% | -1.52 pp |
| Member Growth | 9.40% | - |
| Loan-to-Share Ratio | 81.31% | +9.11 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - MONTEREY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $357.0M | - |
| 2025Q4 | $357.3M | 20,142 |
| 2024Q4 | $315.4M | 18,411 |
| 2023Q4 | $290.8M | 15,628 |
Credit Union Details
- Charter Number
- 97071
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- MONTEREY
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for MONTEREY, spread across 4 cities.
| Office | City |
|---|---|
| FRANKLIN OFFICE (Main Office) | MONTEREY, CA |
| Carmel Branch | Carmel, CA |
| Hollister Branch | Hollister, CA |
| MONTEREY CREDIT UNION | MONTEREY, CA |
| Harden Branch | Salinas, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Other-state peers near MONTEREY
Cross-state asset and health neighbours for MONTEREY - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($357.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- MONTEREY ranks #3,213 of 4,374 nationally on financial health and #187 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Matadors Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Matadors Community
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is MONTEREY financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, MONTEREY carries a financial health score of 76/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,213 of 4,374; by total assets it ranks #933 of 4,374 nationally (same basis as /rankings/largest); and #101 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.70% net worth ratio and a 1.06% delinquency rate.
How does MONTEREY compare to other credit unions?
76/100 is MONTEREY's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join MONTEREY?
Membership eligibility for MONTEREY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MONTEREY directly for current membership requirements and application steps.
Is my money safe at MONTEREY?
Federal credit unions like MONTEREY are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. MONTEREY's net worth ratio of 8.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MONTEREY offer compared to banks?
Credit unions like MONTEREY are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact MONTEREY directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.