Side-by-side · Q2 2026 data
Monterey County Bank vs Navy Federal Credit Union
Metric by metric
| Measure | Monterey County Bank | Navy Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 66 (stronger) |
| Capital cushion | 34 | 67 (stronger) |
| Loan quality | 92 (stronger) | 47 |
| Earnings | 0 | 75 (stronger) |
| Funding & liquidity | 75 | 76 (stronger) |
| Problem-loan coverage | 92 (stronger) | 80 |
| Peer percentile | 10th | 60th |
| Total assets | $300.4M | $204.4B |
| Deposits / shares | $232.6M | $173.4B |
| Capital ratio | 8.38% | 11.65% (stronger) |
| Problem loans | 0.24% (stronger) | 1.58% |
| Net charge-offs | 0.03% (stronger) | 2.35% |
| Return on assets | -0.96% | 1.38% (stronger) |
| Loans ÷ deposits | 68.7% (stronger) | 84.4% |
| Uninsured deposits | 30.0% | 9.7% (stronger) |
| Offices | 4 | 134 |
| CFPB complaints (3 yrs) | — | 34,444 |
| Complaints per $1B deposits | — | 198.7 |
| Mortgage denial rate (HMDA) | — | 32.9% |
Navy Federal Credit Union has the higher TellerScore (66 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Monterey County Bank leads on 3 and Navy Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.