Side-by-side · Q2 2026 data
Strata Federal Credit Union vs Monterey Credit Union
Metric by metric
| Measure | Strata Federal Credit Union | Monterey Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 50 |
| Capital cushion | 92 (stronger) | 38 |
| Loan quality | 92 (stronger) | 68 |
| Earnings | 32 (stronger) | 13 |
| Funding & liquidity | 75 (stronger) | 73 |
| Problem-loan coverage | 97 (stronger) | 81 |
| Peer percentile | 74th | 6th |
| Total assets | $344.5M | $360.5M |
| Deposits / shares | $291.4M | $296.4M |
| Capital ratio | 14.20% (stronger) | 8.75% |
| Problem loans | 0.23% (stronger) | 0.97% |
| Net charge-offs | 0.80% | 0.70% (stronger) |
| Return on assets | 0.31% (stronger) | -0.18% |
| Loans ÷ deposits | 85.3% (stronger) | 87.5% |
| Uninsured deposits | 4.7% | 0.0% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 50.0% |
Strata Federal Credit Union has the higher TellerScore (78 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Strata Federal Credit Union leads on 5 and Monterey Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.