Charter 62736 · Redwood City, CA
Monterra Credit Union
Monterra Credit Union is a state-chartered credit union in Redwood City, California, with $1.94 billion in assets and 101,395 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.01%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.94 billion
- +6.1% in a year
- Members
- 101,395
- +4.1% in a year
- Net worth ratio
- 13.01%
- Peer median 10.79%
- Loans 60+ days late
- 0.50%
- Peer median 0.67%
- Loans outstanding
- $1.52 billion
- +4.0% in a year
- Shares and deposits
- $1.66 billion
- +5.8% in a year
- Branches
- 8
- 224 employees
- Opened
- 1952
- California charter
How Monterra Credit Union compares
NCUA groups credit unions by size; Monterra Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 13.01% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.50%, is lower than the group median of 0.67%. Loans grew 4.0% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 37 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 | $1.94 billion | 101,395 | $1.52 billion | 13.01% | 0.50% |
| Q1 2026 | $1.92 billion | 100,322 | $1.51 billion | 12.92% | 0.35% |
| Q4 2025 | $1.87 billion | 99,163 | $1.50 billion | 13.00% | 0.41% |
| Q3 2025 | $1.86 billion | 98,214 | $1.47 billion | 12.83% | 0.69% |
| Q2 2025 | $1.83 billion | 97,370 | $1.47 billion | 12.71% | 0.51% |
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 6.3 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 10 sites for Monterra Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- 350 Convention Way (main office)
350 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 - South San Francisco Branch
150 El Camino Real, South San Francisco, CA 94080 - Westlake Branch
415 Westlake Ctr, Daly City, CA 94015 - East Palo Alto Branch
1735 E Bayshore Rd, East Palo Alto, CA 94303 - North Fair Oaks
3117 Middlefield Rd, Redwood City, CA 94063 - Redwood City Branch
575 Middlefield Rd, Redwood City, CA 94063 - Headquarters
350 Convention Way, Redwood City, CA 94063 - Half Moon Bay Branch
40 Cabrillo Hwy N, Half Moon Bay, CA 94019
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