🏦Bank Scorer

MONTEREY

Monterey, CA · Corporate Credit Union · Chartered in CA

Well Capitalized

Who can join

State government employees (special charter)

Charter #97071Est. 1968RSSD: 940188

Members

21,026

Net Worth Ratio

8.70%

min. 7% = Well Capitalized

Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.

At a Glance

Total Assets

$357.0M

Peer Group 5

Members

21,026

as of latest quarter

Net Worth Ratio

8.70%

Well Capitalized

Institution Profile

NCUA

Address

Po Box 3288, Monterey, CA 93942

Chartered

1968

Branch Locations

5 locations

Membership Eligibility

State government employees (special charter)

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

Total Assets

$357.0M

Total Shares

$316.2M

Total Loans

$257.0M

Net Worth Ratio

8.70%

≥7% = Well Capitalized

Members

21,026

Delinquency Rate (60d+)

0.71%

$1.8M

Loan-to-share ratio: 81.3%· healthy range 60–80%

Branch Locations

NCUA

FRANKLIN OFFICE

501 E FRANKLIN ST, MONTEREY, CA, 93940

10:00AM TO 5:00PM M-F

MainATM

MONTEREY CREDIT UNION

24560 Silver Cloud Ct Ste 204, MONTEREY, CA, 93940-6560

8:30AM TO 5:00PM MON-FRI

Hollister Branch

1760 Airline Hwy Ste H2, Hollister, CA, 95023

10:00am-5:00pm, M-F

ATM

Harden Branch

1566 N Main St, Salinas, CA, 93906

10:00am-5:00pm, M-F

ATM

Carmel Branch

26135 Carmel Rancho Blvd Ste B, Carmel, CA, 93923

Mon - Fri 10am to 5pm

ATM

Mortgage Lending (HMDA)

CFPB HMDA

Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.

Consumer Complaints

CFPB / NCUA

No CFPB complaint data available for this credit union.

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Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.