MONTEREY
Federal • MONTEREY, California • Est. 1968
Quick Facts
- Charter Number
- #97071
- Type
- Federal
- Established
- 1968
- Headquarters
- MONTEREY, California 93942
- Address
- PO BOX 3288
- Branches
- 5
- ATMs
- 4
- Members
- 20,142
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
20,142 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MONTEREY |
|---|---|
| Total Assets | $357.3M |
| Members | 20,142 |
| Loans Outstanding | $254.5M |
| Shares & Deposits | $313.0M |
| Net Worth | $32.3M |
| Net Worth Ratio | 9.04% |
| Loan-to-Share Ratio | 81.3% |
| Delinquency Rate | 1.06% |
| Net Income | $-1,217,487 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View California RankingsFrequently Asked Questions
Yes. MONTEREY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, MONTEREY has 20,142 members and a potential membership field of 2,327,042 people.
MONTEREY's net worth ratio is 9.04% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.0%, MONTEREY meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MONTEREY. All financial data is for informational purposes only.