Side-by-side · Q2 2026 data
Coasthills Federal Credit Union vs Monterra Credit Union
Credit union
Coasthills Federal Credit Union
Santa Maria, California · $1 billion – $10 billion
Metric by metric
| Measure | Coasthills Federal Credit Union | Monterra Credit Union |
|---|---|---|
| TellerScore | 51 | 76 (stronger) |
| Capital cushion | 30 | 80 (stronger) |
| Loan quality | 78 | 83 (stronger) |
| Earnings | 19 | 59 (stronger) |
| Funding & liquidity | 72 (stronger) | 69 |
| Problem-loan coverage | 83 | 94 (stronger) |
| Peer percentile | 7th | 79th |
| Total assets | $1.8B | $1.9B |
| Deposits / shares | $1.5B | $1.7B |
| Capital ratio | 8.00% | 13.01% (stronger) |
| Problem loans | 0.67% | 0.50% (stronger) |
| Net charge-offs | 1.39% | 0.15% (stronger) |
| Return on assets | -0.02% | 0.97% (stronger) |
| Loans ÷ deposits | 88.4% (stronger) | 91.5% |
| Uninsured deposits | 5.6% (stronger) | 6.9% |
| Offices | 9 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Monterra Credit Union has the higher TellerScore (76 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Coasthills Federal Credit Union leads on 2 and Monterra Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.