Monterey

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$357.3M

31^th percentile

Members

20,142

26^th percentile

Total loans

$254.5M

38^th percentile

Total shares

$313.0M

33^th percentile

Profitability

Return on assets

-0.53%

1^th percentile

Net interest margin

3.01%

24^th percentile

Efficiency ratio

81.81%

1^th percentile

Non-interest income ratio

21.00%

62^th percentile

Capital & Risk

Net worth ratio

9.05%

18^th percentile

Delinquency rate

1.06%

25^th percentile

Net charge-off rate

0.51%

39^th percentile

Loan-to-share

81.31%

54^th percentile

Growth

Member growth YoY

9.40%

96^th percentile

Asset growth YoY

13.26%

94^th percentile

Loan growth YoY

15.73%

93^th percentile

Share growth YoY

10.47%

90^th percentile

Operations

Members / branch

5,036

58^th percentile

Assets / member

$17,737

61^th percentile

Field of membership penetration

0.87%

13^th percentile

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