State credit union · Redwood City, California · NCUA charter #62736
Monterra
Health score 96/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $1.87B
- Total assets
- 99,163
- Members
- 13.0%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth81
- Liquidity (loan-to-share)89
Weighted composite: 96/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.00%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.00% | 30% |
| Delinquency Rate | 0.41% | 25% |
| Return on Assets | 1.04% | 15% |
| Member Growth | 2.64% | 15% |
| Loan-to-Share Ratio | 93.66% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Monterra
Headquartered in Redwood City, California, Monterra is a state credit union with 99,163 members, $1.87B in total assets, and $1.50B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 96/100 (Excellent), driven in part by a net worth ratio of 13.00% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #62736 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
0.41% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 93.66% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.04% on net income of $19.4M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.64%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Monterra financially healthy?
A 13.00% 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. 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 13.00% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.