CU Explorer
Credit unions · California · Q2 2026

Monterey CU

Credit union in Monterey, CA · NCUA charter #97071 · State charter (other)

Legal name: Monterey

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$360M
Total loans & leases$260M
Total shares & deposits$296M
Members21,350
Net worth$31.6M
Net worth / assets8.75%
Loans / assets71.97%
Return on assets (annualized)−0.18%
Loan growth (YoY)3.40%
Member growth (YoY)8.89%
Delinquency, all loans (60+ days)0.97%
CharterState charter (other)
Asset band$250M–$1B
NCUA peer group$100M–$500M
Sponsor typeCommunity (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online membership application, online loan application, online account opening, online loan payments, bill payment, account aggregation, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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