Monterey
Monterey, CA · Charter 97071 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 5 branches
Q2 2026
$360.5MAssets
$259.5MLoans
$296.4MShares
$31.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 41% of credit unions under $1B in assets in CA (rank 37 of 63).
- Widest gap: return on equity trails 92% of credit unions under $1B in assets in CA (rank 58 of 63).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.18%
Rank 58 of 63
Net Interest Margin
3.42%
Rank 37 of 63
Efficiency Ratio
89.21%
Rank 48 of 63
Equity / Assets
8.75%
Rank 46 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.18% | 0.17% | 0.56% | 1.17% | Beats 8% | 58 / 63 | | |
| Return on Equity | -2.08% | 1.81% | 4.79% | 8.64% | Beats 8% | 58 / 63 | | |
| Net Interest Margin | 3.42% | 3.18% | 3.49% | 3.98% | Beats 41% | 37 / 63 | | |
| Efficiency Ratio | 89.21% | 70.58% | 81.25% | 89.21% | Beats 25% | 48 / 63 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.97% | 0.17% | 0.42% | 0.85% | Beats 21% | 50 / 62 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.75% | 8.61% | 10.56% | 14.01% | Beats 27% | 46 / 63 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.75% | 8.61% | 10.56% | 14.01% | Beats 27% | 46 / 63 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.54% | 53.46% | 72.75% | 85.33% | 84th pctl | 10 / 62 | | |
| Loans / Assets | 71.97% | 46.35% | 58.08% | 72.17% | 71st pctl | 18 / 63 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |