Headquartered in Monterey, California, Monterey Credit Union is a non-federally insured state credit union with $360.5M in total assets and $296.4M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1968.
Based on its Q2 2026 filing, Monterey Credit Union scores 50/100, which we describe as below average. That is higher than only 6% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 221st. Its strongest component is problem-loan coverage (81/100; 9.7%), and its lowest is earnings (13/100; -0.18%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (53 → 50), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 57 |
| Q4 2024 | 60 |
| Q1 2025 | 57 |
| Q2 2025 | 53 |
| Q3 2025 | 52 |
| Q4 2025 | 48 |
| Q1 2026 | 48 |
| Q2 2026 | 50 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.90% |
| Q3 2024 | 11.02% |
| Q4 2024 | 11.14% |
| Q1 2025 | 10.06% |
| Q2 2025 | 9.32% |
| Q3 2025 | 9.26% |
| Q4 2025 | 9.04% |
| Q1 2026 | 8.70% |
| Q2 2026 | 8.75% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.58% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.72% |
| Q4 2025 | 1.06% |
| Q1 2026 | 0.99% |
| Q2 2026 | 0.97% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.00% |
| Q3 2024 | -1.06% |
| Q4 2024 | -1.01% |
| Q1 2025 | -1.77% |
| Q2 2025 | -1.25% |
| Q3 2025 | -0.94% |
| Q4 2025 | -0.79% |
| Q1 2026 | -0.92% |
| Q2 2026 | -0.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 50 | $360.5M | 8.75% | 0.97% | -0.18% | 87.5% |
| Q1 2026 | 48 | $357.0M | 8.70% | 0.99% | -0.92% | 81.3% |
| Q4 2025 | 48 | $357.3M | 9.04% | 1.06% | -0.79% | 81.3% |
| Q3 2025 | 52 | $352.6M | 9.26% | 0.72% | -0.94% | 80.9% |
| Q2 2025 | 53 | $353.4M | 9.32% | 0.61% | -1.25% | 83.7% |
| Q1 2025 | 57 | $334.7M | 10.06% | 0.59% | -1.77% | 78.1% |
| Q4 2024 | 60 | $315.4M | 11.14% | 0.58% | -1.01% | 77.6% |
| Q3 2024 | 57 | $328.4M | 11.02% | 0.87% | -1.06% | 74.0% |
| Q2 2024 | 61 | $312.9M | 11.90% | 0.75% | -1.00% | 75.4% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Matadors Community Credit UnionCredit union Northridge, CA | 68 out of 100, Moderate | $356.1M | 11.7% | 0.34% | vs |
| Pasadena Federal Credit UnionCredit union Monrovia, CA | 73 out of 100, Strong | $375.0M | 11.1% | 0.28% | vs |
| Strata Federal Credit UnionCredit union Bakersfield, CA | 78 out of 100, Strong | $344.5M | 14.2% | 0.23% | vs |
| Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA | 83 out of 100, Strong | $377.9M | 20.2% | 0.01% | vs |
| Sag-Aftra Federal Credit UnionCredit union Burbank, CA | 81 out of 100, Strong | $335.6M | 13.1% | 0.63% | vs |
| Tucoemas Federal Credit UnionCredit union Visalia, CA | 74 out of 100, Strong | $332.0M | 10.3% | 1.25% | vs |
Deposit insurance
Is my money safe at Monterey Credit Union?
Monterey Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 8.75%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
5 locations
Branches
Monterey Credit Union lists 5 offices in 4 cities. Most locations:
- Monterey, CA (2)
- Carmel, CA (1)
- Hollister, CA (1)
- Salinas, CA (1)
HMDA 2025
Mortgage lending
In 2025, Monterey Credit Union reported 5 home-loan applications under HMDA (LEI 25490007ROE3S0978636): 1 originated ($225,000 total), 1 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 50.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Monterey Credit Union
- Type
- Non-federally insured state credit union
- NCUA charter #
- 97071
- RSSD ID
- 940188
- Primary regulator
- State + NCUA
- Established
- 1968
- Headquarters
- Po Box 3288, Monterey, CA 93942
- Employees
- 73
Quick answers
Monterey Credit Union: common questions
Is Monterey Credit Union NCUA insured?
Monterey Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.
What is Monterey Credit Union's TellerScore?
50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Monterey Credit Union have?
5 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Monterey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| West Coast Community BankBank Santa Cruz, CA | 75 out of 100, Strong | $2.9B | 12.0% | 0.50% | vs |
| Pacific Valley BankBank Salinas, CA | 70 out of 100, Strong | $653.3M | 12.6% | 0.24% | vs |
| Navy Federal Credit UnionCredit union Vienna, VA | 66 out of 100, Moderate | $204.4B | 11.7% | 1.58% | vs |
| Mechanics BankBank Walnut Creek, CA | 65 out of 100, Moderate | $21.2B | 9.4% | 0.41% | vs |
| UMB Bank, National AssociationBank Kansas City, MO | 65 out of 100, Moderate | $71.9B | 8.9% | 0.34% | vs |
| Fifth Third Bank, National AssociationBank Cincinnati, OH | 62 out of 100, Moderate | $299.2B | 10.0% | 0.84% | vs |