MONTERRA
State-Chartered • Redwood City, California • Est. 1952
Quick Facts
- Charter Number
- #62736
- Type
- State-Chartered
- Established
- 1952
- Headquarters
- Redwood City, California 94063
- Address
- 350 Convention Way
- Branches
- 10
- ATMs
- 20
- Members
- 99,163
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
99,163 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MONTERRA |
|---|---|
| Total Assets | $1.9B |
| Members | 99,163 |
| Loans Outstanding | $1.5B |
| Shares & Deposits | $1.6B |
| Net Worth | $243.5M |
| Net Worth Ratio | 13.00% |
| Loan-to-Share Ratio | 93.7% |
| Delinquency Rate | 0.41% |
| Net Income | +$23,649,797 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
10 locations · 20 ATMs
350 Convention Way
Main Office350 Convention Way
Redwood City, CA 94063
Redwood City Branch 575 Middlefield Road
575 Middlefield Rd
Redwood City, CA 94063
San Mateo Branch
1515 S El Camino Real
San Mateo, CA 94402-3098
South San Francisco Branch
150 El Camino Real
South San Francisco, CA 94080
Westlake Branch
415 Westlake Ctr
Daly City, CA 94015-1432
Who Can Join MONTERRA?
Membership Type: Community
Membership eligibility for MONTERRA may vary. Contact the credit union directly to confirm qualification requirements.
Contact MONTERRA 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. MONTERRA 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, MONTERRA has 99,163 members and a potential membership field of 6,422,946 people.
MONTERRA's net worth ratio is 13.00% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.0%, MONTERRA meets this threshold.
MONTERRA operates 10 branch locations and has access to 20 ATMs. The main office is located at 350 Convention Way, Redwood City, CA 94063.
MONTERRA was established in 1952. It is a state-chartered credit union chartered under charter number 62736. The institution has been serving members for 74 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MONTERRA. All financial data is for informational purposes only.