Monterra

Redwood City, CA · 2 · Charter #62736 · www.monterra.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.9B
44th percentile
Members
99,163
41th percentile
Total loans
$1.5B
50th percentile
Total shares
$1.6B
44th percentile

Profitability

Return on assets
1.26%
70th percentile
Net interest margin
3.24%
53th percentile
Efficiency ratio
53.17%
43th percentile
Non-interest income ratio
17.59%
43th percentile

Capital & Risk

Net worth ratio
13.00%
82th percentile
Delinquency rate
0.41%
80th percentile
Net charge-off rate
0.18%
89th percentile
Loan-to-share
93.66%
62th percentile

Growth

Member growth YoY
2.64%
53th percentile
Asset growth YoY
6.26%
55th percentile
Loan growth YoY
4.79%
48th percentile
Share growth YoY
5.86%
56th percentile

Operations

Members / branch
12,395
86th percentile
Assets / member
$18,878
58th percentile
Field of membership penetration
1.54%
15th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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