Federal credit union · Modesto, California · NCUA charter #12805
MOCSE
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $430.2M
- Total assets
- 29,690
- Members
- 10.6%
- Net-worth ratio
MOCSE scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $430.2M; members 29,690; net-worth ratio 10.58%; health rank #974 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#974 of 4,374 health · 2025Q4MOCSE · health 91/100 · $430.2M · 2025Q4
Call Report peers
MOCSE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MOCSE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MOCSE sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where MOCSE diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.81% vs peer 0.89% (-0.09 pp).
- Loan-to-Share Ratio trails the peer set - 54.97% here, 72.20% peer average (-17.23 pp).
MOCSE: in-state Call Report ranks
- Health composite ranks #60 of 243 among scored California credit unions.
- Assets rank #91 of 243 inside California ($430.2M reported).
- Membership ranks #85 of 243 among California CUs with a reported count (29,690 members).
- One place up in California, Los Angeles Police (#59) ties at 91/100; one place down, TRAVIS (#61) ties at 91/100.
Quarter path for MOCSE
MOCSE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.1% from $430.2M (2025Q4) to $430.5M (2026Q1).
- Net-worth ratio shifted +0.24 pp (10.34% → 10.58%).
At 10.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
MOCSE gives up 9 points in total. Loan-to-Share Ratio costs the most, 3.4 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.9 pts
- Return on Assets 15.0 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 11.7 pts
MOCSE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.58% | -1.53 pp |
| Delinquency Rate | 0.81% | -0.09 pp |
| Return on Assets | 0.64% | +0.02 pp |
| Member Growth | 2.85% | - |
| Loan-to-Share Ratio | 54.97% | -17.23 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
MOCSE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $430.5M | - |
| 2025Q4 | $430.2M | 29,690 |
| 2024Q4 | $412.1M | 28,868 |
| 2023Q4 | $406.8M | 28,712 |
Credit Union Details
- Charter Number
- 12805
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- Modesto
- Data Quarter
- 2025Q4
Branch Locations (3)
MOCSE operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Coffee Road (Main Office) | Modesto, CA |
| J Street | Modesto, CA |
| Turlock | Turlock, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- MOCSE ranks #974 of 4,374 nationally on financial health and #60 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Glendale Area Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Glendale Area Schools
Frequently Asked Questions
Is MOCSE financially healthy?
On its 2025Q4 NCUA 5300 filing, MOCSE scores 91/100 (Excellent), with a 10.58% net worth ratio and 0.81% of loans delinquent. It ranks #974 of 4,374 nationally on health and #60 of 243 in California.
How does MOCSE compare to other credit unions?
MOCSE scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.81% vs 0.89%). Its widest shortfall is loan-to-share ratio (54.97% vs 72.20%).
How can I join MOCSE?
MOCSE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact MOCSE directly for the exact boundaries and application steps.
Is my money safe at MOCSE?
MOCSE is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. MOCSE's net worth ratio of 10.58% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.