MONTEREY
Federal • Monterey, California • Est. 1968
Quick Facts
- Charter Number
- #97071
- Type
- Federal
- Established
- 1968
- Headquarters
- Monterey, California 93940
- Address
- 501 E FRANKLIN ST
- Branches
- 5
- ATMs
- 4
- Members
- 21,026
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
21,026 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MONTEREY |
|---|---|
| Total Assets | $357.0M |
| Members | 21,026 |
| Loans Outstanding | $257.0M |
| Shares & Deposits | $316.2M |
| Net Worth | $31.1M |
| Net Worth Ratio | 8.70% |
| Loan-to-Share Ratio | 81.3% |
| Delinquency Rate | 0.99% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
5 locations · 4 ATMs
MONTEREY CREDIT UNION
24560 Silver Cloud Ct Ste 204
Monterey, CA 93940-6560
FRANKLIN OFFICE
Main Office501 E FRANKLIN ST
Monterey, CA 93940
Hollister Branch
1760 Airline Hwy Ste H2
Hollister, CA 95023
Harden Branch
1566 N Main St
Salinas, CA 93906
Carmel Branch
26135 Carmel Rancho Blvd Ste B
Carmel, CA 93923
Who Can Join MONTEREY?
Membership Type: Community
Membership eligibility for MONTEREY may vary. Contact the credit union directly to confirm qualification requirements.
Contact MONTEREY directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in California
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View California RankingsFrequently Asked Questions
MONTEREY is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, MONTEREY has 21,026 members and a potential membership field of 2,327,042 people.
MONTEREY's reported net worth ratio is 8.70% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
MONTEREY operates 5 branch locations and has access to 4 ATMs. The main office is located at 501 E FRANKLIN ST, Monterey, CA 93940.
MONTEREY was established in 1968. It is a federal credit union chartered under charter number 97071. The institution has been serving members for 58 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or MONTEREY. All financial data is for informational purposes only.