BlastPoint's Credit Union Scorecard

MONTERRA

Charter #62736 · CA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 39 in CA

View Mid-Market leaderboard →

MONTERRA has 4 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 33.4% in tier
+ Organic Growth Leader: Top 33.4% in tier
+ ROA 0.24% above tier average
+ Net Charge-Off Rate: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 34.2% in tier
- First Mortgage Concentration (%): Bottom 7.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	100,322 +3.6% YoY+1.2% QoQ	+4.3K	96,048 -2.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	63%
Assets	$1.9B +5.9% YoY+2.6% QoQ	+$200.2M	$1.7B +0.4% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	66%
Loans	$1.5B +4.9% YoY+0.4% QoQ	+$294.4M	$1.2B +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	72%
Deposits	$1.7B +5.8% YoY+3.1% QoQ	+$188.6M	$1.5B +0.5% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	67%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% -1.2% YoY-14.2% QoQ	+0.2%	0.7% +27.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	76%
NIM	3.3% +2.6% YoY+1.7% QoQ	+0.0%	3.4% +6.2% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	45%
Efficiency Ratio	73.8% +1.4% YoY+5.3% QoQ	-0.8%	74.6% -3.0% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	45%
Delinquency Rate	0.4% -5.4% YoY-13.6% QoQ	-0.4	0.8% +6.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	22%
Loan To Share	91.2% -0.8% YoY-2.7% QoQ	+8.0%	83.2% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	69%
AMR	$31,522 +1.7% YoY+0.6% QoQ	+$2K	$29,652 +2.3% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	68%
CD Concentration	29.3% +1.0% YoY-1.5% QoQ	+0.4%	28.8%	21.6%	19.8%	54%
Indirect Auto %	10.6% -13.9% YoY-1.7% QoQ	-7.4%	18.1%	9.0%	7.7%	40%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#43 of 115 • Top 33.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.57%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 0.96%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 10.65%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth

#51 of 116 • Top 33.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.57%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 10.65%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk

#132 of 148 • Bottom 34.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.17%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 4.90%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 306 peers in tier

Top Strengths (5 metrics)

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: 0.51%

#27 of 306 Top 8.5% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 451.901

Peer Median: 345.077

#40 of 306 Top 12.7% in 1B-3B tier

Net Worth Ratio

risk

Value: 12.92%

Peer Median: 10.85%

#65 of 306 Top 20.9% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Median: 0.63%

#67 of 306 Top 21.6% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 0.96%

Peer Median: 0.66%

#73 of 306 Top 23.5% in 1B-3B tier

Top Weaknesses (1 metrics)

285

First Mortgage Concentration (%)

balance_sheet

Value: 58.05%

Peer Median: 33.05%

#285 of 306 Bottom 7.2% in 1B-3B tier