MONTERRA Credit Union Profile

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MONTERRA

Charter #62736 | NCUA Region 3 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (650) 363-1725

Fax:

Founding Date: N/A

Website: http://www.monterra.org

Personnel & Operations

President: Gonzalez, Magda

Manager: Painter, Wade

FT Employees: 221

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 8

Hours: 9-5

Credit Union Profile Summary

MONTERRA is a FISCU Credit Union. With a total of 97,370 members [1], this institution manages approximately $1,831,421,596 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 12.71% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.67% [1].

Financial Snapshot

Total Assets [1]
$1,831,421,596

Total economic resources.

Total Loans [1]
$1,465,093,018

Total value of outstanding loans.

Total Deposits [1]
$1,573,191,158

Total funds deposited by members.

Members [1]
97,370

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.71%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.03%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
93.13%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
5.58%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
3.67%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
1.52%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

350 Convention Way

Redwood City, CA, 94063

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 10 branches reported by MONTERRA (Charter #62736).

Main Office

350 Convention Way Main Office

Type: Corporate Office

350 Convention Way

Redwood City, CA 94063

Phone: (650) 363-1725

Services: ATM

Open in Directions

Additional Branches

Daly City

Daly City Branch

Type: Branch Office

415 Westlake Ctr

Daly City, CA 94015-1432

Phone: (650) 562-2007

Services: Member Services, ATM

Open in Directions

East Palo Alto

East Palo Alto Branch

Type: Branch Office

1735 E Bayshore Rd

East Palo Alto, CA 94303

Phone: (650) 562-1260

Services: Member Services, ATM

Open in Directions

Half Moon Bay

Half Moon Bay Branch

Type: Branch Office

40 Cabrillo Hwy N

Half Moon Bay, CA 94019

Phone: (650) 363-1725

Services: Member Services, ATM

Open in Directions

Redwood City

Headquarters

Type: Corporate Office

350 Convention Way

Redwood City, CA 94063

Services: ATM

Open in Directions

North Fair Oaks

Type: Branch Office

3117 Middlefield Rd

Redwood City, CA 94063

Phone: (650) 562-2019

Services: Member Services, ATM

Open in Directions

Redwood City Branch

Type: Branch Office

575 Middlefield Rd

Redwood City, CA 94063

Services: ATM

Open in Directions

Redwood City Branch 575 Middlefield Road

Type: Branch Office

575 Middlefield Rd

Redwood City, CA 94063-1623

Phone: (650) 817-1979

Services: Member Services, ATM

Open in Directions

San Mateo

San Mateo Branch

Type: Branch Office

1515 S El Camino Real

San Mateo, CA 94402-3098

Phone: (650) 363-1740

Services: Member Services, ATM

Open in Directions

South San Francisco

South San Francisco Branch

Type: Branch Office

150 El Camino Real

South San Francisco, CA 94080

Phone: (650) 363-1758

Services: Member Services, ATM

Open in Directions