credit union · NCUA 97071 · CA
How big is MONTEREY?
MONTEREY (CA, NCUA charter 97071) reported total assets of $360.5M, 21,353 members and a net worth ratio of 8.75% in its Call Report for 2026Q2. That ranks 940 of 4,299 federally insured credit unions by assets, 181 of 1,061 among credit unions with $100m-$500m in assets, 100 of 239 credit unions in california.
What stands out
MONTEREY (CA, NCUA charter 97071) reported total assets of $360.5M, 21,353 members and a net worth ratio of 8.75% in its Call Report for 2026Q2. That ranks 940 of 4,299 federally insured credit unions by assets, 181 of 1,061 among credit unions with $100m-$500m in assets, 100 of 239 credit unions in california. Against its size class: net worth ratio 8.75%, below the peer median of 11.65%; loan-to-share ratio 87.54%, above the peer median of 73.15%; return on assets -0.18%, below the peer median of 0.74%. At 8.75% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $360.5M | $198.1M | $205.9M | $68.3M | record → |
| Shares and deposits | $296.4M | $172.3M | $179.4M | $58.3M | record → |
| Loans outstanding | $259.5M | $125.2M | $125.6M | $34.4M | record → |
| Net income (year to date) | $-328.2k | $766.3k | $432.9k | $222.2k | record → |
| Net worth | $31.6M | $24.5M | $25.9M | $9.0M | record → |
| Net worth ratio | 8.75% | 11.65% | 11.30% | 12.65% | record → |
| Loan-to-share ratio | 87.54% | 73.15% | 72.15% | 68.70% | computed |
| Return on assets | -0.18% | 0.74% | 0.56% | 0.71% | computed |
| Members | 21,353 | 13,230 | 11,423 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $360.5M | $296.4M | $259.5M | $-328.2k | 8.75% | 21,353 | 940 |
| 2026Q1 | $357.0M | $316.2M | $257.0M | $-823.1k | 8.70% | 21,026 | 941 |
| 2025Q4 | $357.3M | $313.0M | $254.5M | $-2.8M | 9.04% | 20,142 | 933 |
| 2025Q3 | $352.6M | $311.2M | $251.9M | $-2.5M | 9.26% | 20,142 | 934 |
| 2025Q2 | $353.4M | $299.9M | $250.9M | $-2.2M | 9.32% | 19,609 | 933 |
| 2025Q1 | $334.7M | $289.8M | $226.3M | $-1.5M | 10.06% | 19,083 | 973 |
| 2024Q4 | $315.4M | $283.4M | $219.9M | $-3.2M | 11.14% | 18,411 | 997 |
| 2024Q3 | $328.4M | $297.3M | $220.0M | $-2.6M | 11.02% | 18,214 | 965 |
| 2024Q2 | $312.9M | $277.3M | $209.0M | $-1.6M | 11.90% | 17,878 | 997 |
| 2024Q1 | $308.7M | $263.0M | $207.5M | $-890.0k | 12.28% | 16,093 | 1012 |
| 2023Q4 | $290.8M | $245.8M | $191.6M | $157.6k | 13.33% | 15,628 | 1031 |
| 2023Q3 | $292.2M | $248.1M | $191.1M | $218.8k | 13.44% | 16,996 | 1027 |
| 2023Q2 | $295.5M | $245.3M | $191.3M | $126.7k | 13.27% | 16,996 | 1020 |
| 2023Q1 | $303.3M | $251.6M | $193.0M | $197.3k | 12.95% | 17,057 | 1010 |
| 2022Q4 | $297.8M | $255.5M | $190.3M | $1.5M | 13.20% | 17,141 | 1012 |
| 2022Q3 | $296.2M | $264.5M | $183.6M | $1.1M | 13.14% | 17,149 | 1012 |
| 2022Q2 | $293.8M | $261.2M | $185.4M | $764.0k | 13.12% | 17,184 | 1011 |
| 2022Q1 | $303.7M | $268.8M | $180.0M | $316.0k | 12.55% | 17,294 | 994 |
| 2021Q4 | $306.1M | $266.4M | $178.8M | $1.0M | 12.34% | 17,308 | 969 |
| 2021Q3 | $301.0M | $261.5M | $173.7M | $876.2k | 12.50% | 17,390 | 970 |
| 2021Q2 | $291.2M | $251.0M | $162.7M | $431.3k | 12.77% | 17,467 | 982 |
| 2021Q1 | $292.4M | $247.4M | $157.2M | $151.6k | 12.61% | 17,550 | 975 |
| 2020Q4 | $282.2M | $237.4M | $147.0M | $657.5k | 13.02% | 17,667 | 948 |
| 2020Q3 | $284.9M | $233.9M | $141.6M | $318.1k | 12.78% | 17,733 | 926 |
| 2020Q2 | $280.8M | $230.9M | $144.6M | $15.8k | 12.86% | 17,794 | 926 |
| 2020Q1 | $257.3M | $217.0M | $150.9M | $191.2k | 14.10% | 18,063 | 942 |
| 2019Q4 | $248.9M | $209.3M | $152.8M | $1.1M | 14.50% | 17,972 | 942 |
| 2019Q3 | $246.8M | $207.2M | $153.7M | $830.8k | 14.50% | 18,125 | 941 |
| 2019Q2 | $243.4M | $205.3M | $152.8M | $534.4k | 14.58% | 18,178 | 946 |
| 2019Q1 | $249.5M | $211.5M | $151.3M | $172.1k | 14.08% | 18,255 | 928 |
| 2018Q4 | $243.1M | $205.8M | $149.6M | $1.2M | 14.38% | 18,209 | 926 |
| 2018Q3 | $239.2M | $203.3M | $147.1M | $972.2k | 14.50% | 18,158 | 932 |
| 2018Q2 | $238.0M | $202.5M | $145.6M | $586.0k | 14.40% | 18,147 | 940 |
| 2018Q1 | $238.1M | $202.6M | $141.1M | $279.4k | 14.27% | 18,177 | 938 |
| 2017Q4 | $233.6M | $197.7M | $137.8M | $1.2M | 14.43% | 18,265 | 928 |
| 2017Q3 | $235.0M | $198.8M | $136.8M | $934.5k | 14.23% | 18,407 | 926 |
| 2017Q2 | $232.9M | $197.3M | $137.1M | $537.9k | 14.19% | 18,522 | 927 |
| 2017Q1 | $233.1M | $197.7M | $133.7M | $248.3k | 14.05% | 18,513 | 930 |
| 2016Q4 | $232.0M | $195.5M | $130.7M | $1.4M | 14.01% | 18,615 | 902 |
| 2016Q3 | $232.4M | $195.0M | $128.2M | $1.1M | 13.86% | 18,725 | 897 |
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