State credit union · Redwood City, California · NCUA charter #62736
MONTERRA
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $1.87B
- Total assets
- 99,163
- Members
- 12.9%
- Net-worth ratio
MONTERRA scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.87B; members 99,163; net-worth ratio 12.92%; health rank #246 of 4,374; healthier than 93rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#246 of 4,374 health · 2025Q4MONTERRA · health 96/100 · $1.87B · 2025Q4
Call Report peers
MONTERRA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MONTERRA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MONTERRA sits in 95-99 with 391 others.
96 Top 7% higher than 93% 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
MONTERRA vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 93.66% vs peer 83.90% (+9.76 pp).
MONTERRA: in-state Call Report ranks
- California health ordinal: #21 of 243.
- California assets place: #37 of 243.
- California membership ordinal: #33 of 243.
- One place up in California, Santa Ana (#20) ties at 96/100; one place down, 1st Northern California (#22) ties at 96/100.
MONTERRA: 2025Q4 → 2026Q1
MONTERRA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $1.87B (2025Q4) to $1.92B (2026Q1).
- Net-worth ratio shifted -0.08 pp (13.00% → 12.92%).
At 12.92%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
MONTERRA gives up 4 points in total. Member Growth costs the most, 2.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.2 pts
- Loan-to-Share Ratio 13.8 pts
Call Report ratios for MONTERRA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.92% | +1.74 pp |
| Delinquency Rate | 0.41% | -0.46 pp |
| Return on Assets | 1.04% | +0.53 pp |
| Member Growth | 2.64% | - |
| Loan-to-Share Ratio | 93.66% | +9.76 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
MONTERRA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.92B | - |
| 2025Q4 | $1.87B | 99,163 |
| 2024Q4 | $1.76B | 96,616 |
| 2023Q4 | $1.68B | 94,907 |
Credit Union Details
- Charter Number
- 62736
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Redwood City
- Data Quarter
- 2025Q4
Branch Locations (10)
MONTERRA operates 10 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 350 Convention Way (Main Office) | Redwood City, CA |
| Westlake Branch | Daly City, CA |
| East Palo Alto Branch | East Palo Alto, CA |
| Half Moon Bay Branch | Half Moon Bay, CA |
| Redwood City Branch 575 Middlefield Road | Redwood City, CA |
| North Fair Oaks | Redwood City, CA |
| Redwood City Branch | Redwood City, CA |
| Headquarters | Redwood City, CA |
| San Mateo Branch | San Mateo, CA |
| South San Francisco Branch | South San Francisco, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Cross-state Call Report peers for MONTERRA
Using this data
- MONTERRA ranks #246 of 4,374 nationally on financial health and #21 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BAY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BAY
Frequently Asked Questions
Is MONTERRA financially healthy?
MONTERRA has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #246 of 4,374 nationally on health and #21 of 243 in California. Its net worth ratio is 12.92% and its delinquency rate 0.41%.
How does MONTERRA compare to other credit unions?
MONTERRA scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.66% vs 83.90%).
How can I join MONTERRA?
Membership eligibility for MONTERRA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MONTERRA directly for current membership requirements and application steps.
Is my money safe at MONTERRA?
MONTERRA is a state-chartered 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. MONTERRA's net worth ratio of 12.92% 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.