MONTERRA
Charter #62736 · Redwood City, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.92% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.97% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.35% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.13% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MONTERRA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.92B | 43th pct | 49th pct |
| Members | 100,322 | 42th pct | 51th pct |
| Net worth ratio | 12.92% | 81th pct | 85th pct |
| Return on average assets | 0.97% | 72th pct | 84th pct |
| Net interest margin | 3.35% | 50th pct | 41th pct |
| Cost of funds | 1.56% | 40th pct | 36th pct |
| Loan-to-share | 91.17% | 65th pct | 59th pct |
| Delinquency 60+ days | 0.35% | 21th pct | 20th pct |
| Net charge-off ratio | 0.13% | 9th pct | 3th pct |
| Loan growth YoY | 2.47% | 61th pct | 57th pct |
| Share growth YoY | 3.76% | 43th pct | 56th pct |
| Efficiency ratio | 73.80% | 54th pct | 39th pct |
structural peer set hash: 3fe69cd027d1fae9c88262ac824b708b… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.