Credit Union Safety Analysis
Is Monterra Credit Union Safe? Redwood City, California
Based on its Q2 2026 NCUA 5300 call report, Monterra Credit Union has a net worth ratio of 13.01%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.50%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Monterra Credit Union's net worth ratio is 13.01%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.01%
- Delinquency ratio (60+ days) (Q2 2026): 0.50%
- Return on assets (Q2 2026): 0.98%
- Loan-to-share ratio (Q2 2026): 91.52%
Monterra Credit Union (NCUA charter 62736, established 1952) reported $1.94B in assets and 101,395 members for Q2 2026 from Redwood City, California. It ranks 37 of 238 credit unions in California by total assets. Total assets grew 6.1% from $1.83B on June 30, 2025. It has 4,025 more members than on June 30, 2025 (+4.1%). Its net worth ratio was up 0.30 percentage points from 12.71% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.05B of $1.52B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.50% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 12.92% for Q1 2026; 12.71% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.35% for Q1 2026; 0.51% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.96% for Q1 2026; 1.08% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 91.17% for Q1 2026; 93.13% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.05B
- Used vehicle loans: $161.2M
- New vehicle loans: $128.6M
- Commercial loans: $81.8M
- Unsecured credit card loans: $60.3M
- Other unsecured loans and lines of credit: $39.5M
- Other secured non-real estate loans and lines of credit: $743K
- Non-federally guaranteed student loans: $190K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.94B | 13.01% | 0.50% | 0.98% | 91.52% |
| March 31, 2026 | $1.92B | 12.92% | 0.35% | 0.96% | 91.17% |
| December 31, 2025 | $1.87B | 13.00% | 0.41% | 1.35% | 93.66% |
| September 30, 2025 | $1.86B | 12.83% | 0.69% | 1.13% | 92.31% |
| June 30, 2025 | $1.83B | 12.71% | 0.51% | 1.08% | 93.13% |
| March 31, 2025 | $1.81B | 12.56% | 0.37% | 0.96% | 91.93% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 62736) · FFIEC NIC profile (RSSD 996091)
Frequently asked questions
Is Monterra Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Monterra Credit Union's net worth ratio is 13.01%, above the 7% NCUA threshold for well capitalized.
Is Monterra Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Monterra Credit Union is a federally insured credit union (NCUA charter 62736): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Monterra Credit Union's key safety ratios?
For Q2 2026, Monterra Credit Union reports net worth 13.01%, delinquency 0.50%, ROA 0.98%, loan-to-share 91.52%.
What happens to my money if Monterra Credit Union fails?
For Q2 2026, Monterra Credit Union held $1.66B in shares and deposits for 101,395 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.