MONTEREY
Charter #97071 · MONTEREY, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.70% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of -0.92% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 0.16% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.99% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.63% sits at the 80th percentile of structural peers — worth a closer look.
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 | MONTEREY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $356.96M | 83th pct | 72th pct |
| Members | 21,026 | 80th pct | 67th pct |
| Net worth ratio | 8.70% | 10th pct | 11th pct |
| Return on average assets | -0.92% | 2th pct | 2th pct |
| Net interest margin | 3.32% | 30th pct | 28th pct |
| Cost of funds | 0.16% | 9th pct | 5th pct |
| Loan-to-share | 81.26% | 71th pct | 70th pct |
| Delinquency 60+ days | 0.99% | 76th pct | 79th pct |
| Net charge-off ratio | 0.63% | 74th pct | 80th pct |
| Loan growth YoY | 2.01% | 67th pct | 57th pct |
| Share growth YoY | 1.62% | 23th pct | 18th pct |
| Efficiency ratio | 106.64% | 99th pct | 93th pct |
structural peer set hash: e34d9e49496cfe1a46ffd70dbd84e788… (reproducible)
Closest structural peers
This is the free public view
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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.