Federal credit union · Modesto, California · NCUA charter #12805
Mocse
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $430.2M
- Total assets
- 29,690
- Members
- 7.6%
- Net-worth ratio
Mocse - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #12805: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Mocse - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)80
- Asset quality (delinquency)88
- Earnings (ROA)100
- Member growth83
- Liquidity (loan-to-share)77
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.61%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.61% | 30% |
| Delinquency Rate | 0.81% | 25% |
| Return on Assets | 0.64% | 15% |
| Member Growth | 2.85% | 15% |
| Loan-to-Share Ratio | 54.97% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Mocse
29,690 members and $430.2M in total assets sit behind Mocse, a federal credit union in Modesto, California, which posts a health score of 85/100 (Excellent) on the five-factor composite, with $218.0M in outstanding loans as of Q4 2025 and a net worth ratio of 7.61% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #12805 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 0.81% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 54.97% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.64% on net income of $2.8M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.85%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Mocse financially healthy?
Mocse scores 85/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.61% net worth ratio and a 0.81% delinquency rate.
How does Mocse compare to other credit unions?
Five weighted metrics from NCUA filings produce Mocse's 85/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Mocse are 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 7.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mocse offer compared to banks?
Credit unions like Mocse are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Mocse directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.