Side-by-side · Q2 2026 data
San Mateo City Employees Federal Credit Union vs Monterra Credit Union
Credit union
San Mateo City Employees Federal Credit Union
San Mateo, California · Under $100 million in assets
Metric by metric
| Measure | San Mateo City Employees Federal Credit Union | Monterra Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 80 |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 34 | 59 (stronger) |
| Funding & liquidity | 100 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 83rd | 79th |
| Total assets | $31.8M | $1.9B |
| Deposits / shares | $25.9M | $1.7B |
| Capital ratio | 18.36% (stronger) | 13.01% |
| Problem loans | 0.00% (stronger) | 0.50% |
| Net charge-offs | 1.53% | 0.15% (stronger) |
| Return on assets | 0.34% | 0.97% (stronger) |
| Loans ÷ deposits | 18.2% (stronger) | 91.5% |
| Uninsured deposits | 12.7% | 6.9% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
San Mateo City Employees Federal Credit Union has the higher TellerScore (87 vs 76). On the 7 directional measures above (where higher or lower is clearly better), San Mateo City Employees Federal Credit Union leads on 4 and Monterra 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.