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
- CAMELS 96/100
- HEALTH 12.9%
- NW 0.41%
- DELQ 1.04%
- ROA $1.87B
- ASSETS 99,163
- MEM #246/4,374
- RANK Superior Credit Union, Inc
- PHOTO 62736
Call Report peers
MONTERRA in the assets neighbourhood
MONTERRA's $1.87B assets sit next to Superior Credit Union, Inc ($1.87B) 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.
MONTERRA 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
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62736, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
MONTERRA vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 93.66% vs peer 83.90% (+9.76 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
MONTERRA: in-state Call Report ranks
- California health ordinal: #21 of 243.
- California assets place: #37 of 243.
- California membership ordinal: #33 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.
MONTERRA: 2025Q4 → 2026Q1
MONTERRA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $1.87B (2025Q4) to $1.92B (2026Q1).
- Net-worth ratio shifted -0.08 pp (13.00% → 12.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for MONTERRA, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.87B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
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
- 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 MONTERRA financially healthy?
A 12.92% net worth ratio and a 0.41% delinquency rate feed into MONTERRA's financial health score of 96/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #246 of 4,374; by total assets it ranks #272 of 4,374 nationally (same basis as /rankings/largest); and #37 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does MONTERRA compare to other credit unions?
PlainCU's health composite puts MONTERRA at 96/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like MONTERRA 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. MONTERRA's net worth ratio of 12.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MONTERRA offer compared to banks?
Credit unions like MONTERRA 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 MONTERRA 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.