TellerScore

Headquartered in Redwood City, California, Monterra Credit Union is a federally insured state-chartered credit union with $1.9B in total assets and $1.7B in member shares and deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1952.

Based on its Q2 2026 filing, Monterra Credit Union scores 76/100, which we describe as strong. That is higher than 79% of 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 80th. Its strongest component is problem-loan coverage (94/100; 3.2%), and its lowest is earnings (59/100; 0.97%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Net worth ratio: 13.01%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings59/100
Return on assets (annualized): 0.97%
Funding & liquidity69/100
Loans ÷ shares: 91.5% · 6.9% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.15%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 76).

TellerScore
747678Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202475
Q4 202477
Q1 202576
Q2 202575
Q3 202574
Q4 202578
Q1 202677
Q2 202676
Net worth ratio
7.00%10.00%13.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.34%
Q3 202412.49%
Q4 202412.69%
Q1 202512.56%
Q2 202512.71%
Q3 202512.83%
Q4 202513.00%
Q1 202612.92%
Q2 202613.01%
Delinquent loans (60+ days)
0.35%0.52%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20240.50%
Q4 20240.36%
Q1 20250.37%
Q2 20250.51%
Q3 20250.69%
Q4 20250.41%
Q1 20260.35%
Q2 20260.50%
Return on assets
0.96%1.04%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.04%
Q3 20241.07%
Q4 20241.10%
Q1 20250.96%
Q2 20251.01%
Q3 20251.05%
Q4 20251.11%
Q1 20260.96%
Q2 20260.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$1.9B13.01%0.50%0.97%91.5%
Q1 202677$1.9B12.92%0.35%0.96%91.2%
Q4 202578$1.9B13.00%0.41%1.11%93.7%
Q3 202574$1.9B12.83%0.69%1.05%92.3%
Q2 202575$1.8B12.71%0.51%1.01%93.1%
Q1 202576$1.8B12.56%0.37%0.96%91.9%
Q4 202477$1.8B12.69%0.36%1.10%94.6%
Q3 202475$1.8B12.49%0.50%1.07%94.0%
Q2 202475$1.7B12.34%0.42%1.04%94.5%

454 peers · $1 billion – $10 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).

Capital ratio13.01%
79th
Problem loans0.50%
69th
Net charge-offs0.15%
89th
Return on assets0.97%
66th
Loans to deposits91.5%
39th
Uninsured deposits6.9%
73rd
Loan-loss reserves0.00%
50th
Texas ratio3.2%
73rd

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Deposit insurance

Is my money safe at Monterra Credit Union?

Yes. Monterra Credit Union is a federally insured credit union (NCUA charter #62736). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.9% of shares and deposits ($114.1M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 13.01%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Monterra Credit Union lists 8 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Monterra Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62736
RSSD ID
996091
Primary regulator
State + NCUA
Established
1952
Headquarters
350 Convention Way, Redwood City, CA 94063
Employees
224

Quick answers

Monterra Credit Union: common questions

Is Monterra Credit Union NCUA insured?

Yes. Monterra Credit Union is a federally insured credit union (NCUA charter #62736). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Monterra Credit Union's TellerScore?

76 out of 100 (Strong), 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 Monterra Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Redwood City

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast Community Federal Credit UnionCredit union San Francisco, CA100 out of 100, Very strong$15.2M32.6%0.00%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA87 out of 100, Very strong$31.8M18.4%0.00%vs
San Francisco Federal Credit UnionCredit union San Francisco, CA86 out of 100, Very strong$1.6B13.6%0.15%vs
San Francisco Lee Federal Credit UnionCredit union San Francisco, CA85 out of 100, Very strong$10.7M53.3%0.00%vs
GBC International BankBank Los Angeles, CA83 out of 100, Strong$658.5M15.9%0.26%vs