Monterra
Monterra is a credit union based in Redwood City, California, established in 1952, with $1.9 billion in total assets serving 100,322 members. By Trust Grade it ranks 33rd of 241 credit unions we track in California. Its net worth ratio of 12.9% is stronger than 80% of similarly sized credit unions, versus a California median of 11.1%. It was profitable over the most recent period, with a 0.96% return on assets. No consumer complaints against Monterra appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Monterra compares to California peers
How we graded Monterra
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.9% capital ratio)
- Profitable (ROA 0.96%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Monterra over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Monterra insured?
Yes. Monterra is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Monterra: frequently asked questions
Is Monterra a good credit union?
Monterra earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (12.9% capital ratio); Profitable (ROA 0.96%).
Is Monterra NCUA-insured?
Yes. Monterra is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Monterra?
Monterra holds $1.9 billion in total assets, ranking 33rd of 241 credit unions we track in California. It serves 100,322 members.
Does Monterra have CFPB complaints?
No CFPB complaints against Monterra appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
