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
- RANK 91/100
- PHOTO 10.6%
- BOOK 0.81%
- CHARTER 0.64%
- NCUSIF $430.2M
- CAMELS 29,690
- HEALTH #974/4,374
- NW DEXSTA
- DELQ 12805
Call Report peers
MOCSE in the assets neighbourhood
MOCSE's $430.2M assets sit next to DEXSTA ($430.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for MOCSE
MOCSE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.1% from $430.2M (2025Q4) to $430.5M (2026Q1).
- Net-worth ratio shifted +0.24 pp (10.34% → 10.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for MOCSE - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($430.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is MOCSE financially healthy?
MOCSE scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #974 of 4,374; by total assets it ranks #819 of 4,374 nationally (same basis as /rankings/largest); and #91 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.58% 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 91/100 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 10.58% 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.
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.