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
Call Report peers
MONTEREY in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); MONTEREY sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in California, KINECTA (#186) ties at 76/100; one place down, SOUTHLAND (#188) ties at 76/100.
MONTEREY: 2025Q4 → 2026Q1
MONTEREY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $357.3M (2025Q4) to $357.0M (2026Q1).
- Net-worth ratio shifted -0.34 pp (9.04% → 8.70%).
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
MONTEREY gives up 24 points in total. Return on Assets costs the most, 15 of its 15; Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is MONTEREY financially healthy?
On its 2025Q4 NCUA 5300 filing, MONTEREY scores 76/100 (Very Good), with a 8.70% net worth ratio and 1.06% of loans delinquent. It ranks #3,213 of 4,374 nationally on health and #187 of 243 in California.
How does MONTEREY compare to other credit unions?
MONTEREY scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.31% vs 72.20%). Its widest shortfall is net worth ratio (8.70% vs 12.11%).
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?
MONTEREY is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.