BlastPoint's Credit Union Scorecard
MONTERRA
Charter #62736 · CA
MONTERRA has 4 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 28.5% in tier
- + Organic Growth Engine: Top 28.5% in tier
- + ROA 0.15% above tier average
- + Net Charge-Off Rate: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 40.3% in tier
- - First Mortgage Concentration (%): Bottom 6.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +5.8% year over year ($1.66B in shares and deposits).
- Membership: 101,395 members, +4.1% vs a year ago.
- Delinquency rate 0.50%.
- Return on assets 0.97%.
- Efficiency ratio 73.03% vs a 73.02% peer average.
- Loan-to-share ratio 91.52% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
101,395
+4.1% YoY+1.1% QoQ
|
+4.5K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
63% |
| Assets |
$1.9B
+6.1% YoY+1.2% QoQ
|
+$218.9M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
66% |
| Loans |
$1.5B
+4.0% YoY+1.0% QoQ
|
+$289.1M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$1.7B
+5.8% YoY+0.6% QoQ
|
+$201.1M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
67% |
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| ROA |
1.0%
-4.6% YoY+1.3% QoQ
|
+0.2% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
70% |
| NIM |
3.3%
+2.7% YoY-0.2% QoQ
|
-0.1% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
38% |
| Efficiency Ratio |
73.0%
+1.6% YoY-1.0% QoQ
|
+0.0% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
47% |
| Delinquency Rate |
0.5%
-1.7% YoY+41.6% QoQ
|
-0.4 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
91.5%
-1.7% YoY+0.4% QoQ
|
+6.8% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$31,439
+0.8% YoY-0.3% QoQ
|
+$2K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
69% |
| CD Concentration |
29.6%
+1.8% YoY+1.2% QoQ
|
+0.5% | 29.1% | 22.2% | 20.0% | 54% |
| Indirect Auto % |
10.5%
-9.9% YoY-1.2% QoQ
|
-7.6% | 18.1% | 9.2% | 7.7% | 38% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)