MONTERRA
Redwood City, CA · State Credit Union · Chartered in CA
Who can join
Type 99
Members
100,322
Net Worth Ratio
12.92%
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
$1.92B
Peer Group 6
Members
100,322
as of latest quarter
Net Worth Ratio
12.92%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Financial Snapshot
Total Assets
$1.92B
Total Shares
$1.65B
Total Loans
$1.51B
Net Income
$4.6M
Net Worth Ratio
12.92%
≥7% = Well Capitalized
Members
100,322
Return on Assets
0.24%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.21%
$3.2M
Loan-to-share ratio: 91.2%· healthy range 60–80%
Branch Locations
NCUA350 Convention Way
350 Convention Way, Redwood City, CA, 94063
9-5
Redwood City Branch 575 Middlefield Road
575 Middlefield Rd, Redwood City, CA, 94063
9-5 M-Th 9-6 F 9-2 Sat
San Mateo Branch
1515 S El Camino Real, San Mateo, CA, 94402-3098
9-5 M-Th 9-6 Fri 9-2 Sat
South San Francisco Branch
150 El Camino Real, South San Francisco, CA, 94080
9-5 M-Th9-6 Fri9-2 Sat
Westlake Branch
415 Westlake Ctr, Daly City, CA, 94015-1432
9-5 M-Th 9-6 F 9-2 Sat
East Palo Alto Branch
1735 E Bayshore Rd, East Palo Alto, CA, 94303
9-5 M-Th 9-6 Fri 9-2 Sat
North Fair Oaks
3117 Middlefield Rd, Redwood City, CA, 94063
9-5 M-Th 9-6 F 9-2 Sat
Redwood City Branch
575 Middlefield Rd, Redwood City, CA, 94063
9-5 M-Th 9-6 F 9-2 Sat
Headquarters
350 Convention Way, Redwood City, CA, 94063
Half Moon Bay Branch
40 Cabrillo Hwy N, Half Moon Bay, CA, 94019
Monday - Thursday: 9 am to 5 pmFriday: 9 am to 6 pmSaturday: 9 am to 2 pm
Mortgage Lending (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
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/monterra" target="_blank" rel="noopener">View MONTERRA on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.