Monterra
Redwood City, CA · Charter 62736 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
$1.9BAssets
$1.5BLoans
$1.7BShares
$252.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 79% of credit unions $1B-$10B in assets (rank 90 of 435).
- Widest gap: net interest margin trails 58% of credit unions $1B-$10B in assets (rank 251 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.97%
Rank 152 of 435
Net Interest Margin
3.28%
Rank 251 of 435
Efficiency Ratio
73.03%
Rank 242 of 435
Equity / Assets
13.01%
Rank 90 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.55% | 0.81% | 1.14% | Beats 65% | 152 / 435 | |
| Return on Equity | 7.43% | 5.12% | 7.41% | 9.70% | Beats 50% | 217 / 435 | |
| Net Interest Margin | 3.28% | 3.01% | 3.39% | 3.75% | Beats 42% | 251 / 435 | |
| Efficiency Ratio | 73.03% | 65.25% | 71.39% | 77.86% | Beats 45% | 242 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.45% | 0.69% | 1.05% | Beats 69% | 135 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.01% | 9.81% | 10.84% | 12.63% | Beats 79% | 90 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.01% | 9.81% | 10.84% | 12.63% | Beats 79% | 90 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 91.52% | 78.33% | 88.38% | 95.61% | 61st pctl | 171 / 435 | |
| Loans / Assets | 78.39% | 67.69% | 74.58% | 80.80% | 63rd pctl | 160 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |