Side-by-side · Q2 2026 data
Navy Federal Credit Union vs Monterey Credit Union
Metric by metric
| Measure | Navy Federal Credit Union | Monterey Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 50 |
| Capital cushion | 67 (stronger) | 38 |
| Loan quality | 47 | 68 (stronger) |
| Earnings | 75 (stronger) | 13 |
| Funding & liquidity | 76 (stronger) | 73 |
| Problem-loan coverage | 80 | 81 (stronger) |
| Peer percentile | 60th | 6th |
| Total assets | $204.4B | $360.5M |
| Deposits / shares | $173.4B | $296.4M |
| Capital ratio | 11.65% (stronger) | 8.75% |
| Problem loans | 1.58% | 0.97% (stronger) |
| Net charge-offs | 2.35% | 0.70% (stronger) |
| Return on assets | 1.38% (stronger) | -0.18% |
| Loans ÷ deposits | 84.4% (stronger) | 87.5% |
| Uninsured deposits | 9.7% | 0.0% (stronger) |
| Offices | 134 | 5 |
| CFPB complaints (3 yrs) | 34,444 | — |
| Complaints per $1B deposits | 198.7 | — |
| Mortgage denial rate (HMDA) | 32.9% | 50.0% |
Navy Federal Credit Union has the higher TellerScore (66 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Navy Federal Credit Union leads on 4 and Monterey Credit Union on 3. 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.