Charter 97071 · Monterey, CA
Monterey Credit Union
Monterey Credit Union is a state-chartered credit union in Monterey, California, with $361 million in assets and 21,353 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.75%, above the 7% that NCUA's rules treat as well capitalized.
NCUA's records list Monterey Credit Union as a state-chartered credit union that is not federally insured. Deposits are not covered by NCUA's Share Insurance Fund; ask the credit union how they are insured.
- Total assets
- $361 million
- +2.0% in a year
- Members
- 21,353
- +8.9% in a year
- Net worth ratio
- 8.75%
- Peer median 11.65%
- Loans 60+ days late
- 0.97%
- Peer median 0.70%
- Loans outstanding
- $259 million
- +3.4% in a year
- Shares and deposits
- $296 million
- -1.2% in a year
- Branches
- 4
- 73 employees
- Opened
- 1968
- California charter
How Monterey Credit Union compares
NCUA groups credit unions by size; Monterey Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 8.75% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.97%, is higher than the group median of 0.70%. Loans grew 3.4% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 100 of 239 credit unions headquartered in California. See all California credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $361 million | 21,353 | $259 million | 8.75% | 0.97% |
| Q1 2026 | $357 million | 21,026 | $257 million | 8.70% | 0.99% |
| Q4 2025 | $357 million | 20,142 | $255 million | 9.04% | 1.06% |
| Q3 2025 | $353 million | 20,142 | $252 million | 9.26% | 0.72% |
| Q2 2025 | $353 million | 19,609 | $251 million | 9.32% | 0.61% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 2.3 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for Monterey Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- MONTEREY CREDIT UNION
24560 Silver Cloud Ct Ste 204, Monterey, CA 93940 - FRANKLIN OFFICE (main office)
501 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
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology