California · Nonprofit
MONTERRA CREDIT UNION
MONTERRA CREDIT UNION (California) receives grants from 1 organization whose IRS filings report $5,625 to it, the largest being NATIONAL CREDIT UNION FOUNDATION ($5,625). 0 of them have funded it in more than one year.
- Revenue FY2024
- $95M
- Funders on record
- 1
- Grants received
- $6k
- Net assets
- $221M
What Monterra Credit Union does
Mission
Passionately deliver relevant products, services, and education tailored to help our members, employees, and communities achieve their financial goals.
As stated on its FY2024 Form 990.
Program
Monterra Credit Union is a financial cooperative serving the communities within san mateo county, city of palo alto and select neighborhoods in san francisco. We have seven branches throughout these geographical areas and a headquarters office located in redwood city, california. As of year-end 2024, we had 96,616 member-owners. We offer our members a wide array of retail financial products and services, and we provide financial education to youth and adults throughout the communities we serve. Monterra Credit Union offers an array of consumer financial products, including residential real estate loans, automobile loans, secured and unsecured loans, credit cards, small business loans, as well as checking, savings and certificate of deposit accounts.
The program described on its FY2024 Form 990.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2019 to 2020, from $1.2B to $1.4B (+24%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
0% of MONTERRA CREDIT UNION’s revenue is contributions — more earned-revenue than three-quarters of its peers (30% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 0 of the last 8 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Wade Painter
CEO/president
Board chair
John Beiers
Board chair
As listed on its FY2024 Form 990.
Who funds it, year by year
Grant support over time, funder by funder — shade shows the grant size each year.
From the IRS filings of MONTERRA CREDIT UNION’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Where its funders are
MONTERRA CREDIT UNION draws 100% of its grant income from funders outside California, across 1 state in all.
Funder states come from each funder’s own filing. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
MONTERRA CREDIT UNION runs a healthier operating margin than three-quarters of the 269 public benefit nonprofits its size.
this organization peer median middle 50% of peers· 269 public benefit nonprofits $10M–$100M, FY2024
Organizations like MONTERRA CREDIT UNION
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In California
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Governance
Footprint & structure
Files a return copy in 1 state
Part of a family of 1 related entity
- Monterra Community Fund · exempt
Screen this organization
A dated, signed PDF of the compliance screen for MONTERRA CREDIT UNION: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds MONTERRA CREDIT UNION?
- MONTERRA CREDIT UNION (California) receives grants from 1 organization whose IRS filings report $5,625 to it, the largest being NATIONAL CREDIT UNION FOUNDATION ($5,625). 0 of them have funded it in more than one year.
- How many funders does MONTERRA CREDIT UNION have?
- IRS filings report 1 organization giving $5,625 in grants to MONTERRA CREDIT UNION.
- Who is the largest funder of MONTERRA CREDIT UNION?
- NATIONAL CREDIT UNION FOUNDATION is the largest funder on record, with $5,625 in grants. The full list of funders is on this page.
- How can an organization like MONTERRA CREDIT UNION find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in California. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2024 (financials across 2017–2024), and the filings of 1 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing