Federal credit union · MODESTO, California · NCUA charter #4022
Modesto's First
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $67.2M
- Total assets
- 3,400
- Members
- 8.9%
- Net-worth ratio
Modesto's First scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $67.2M; members 3,400; net-worth ratio 8.93%; health rank #856 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#856 of 4,374 health · 2025Q4Modesto's First · health 92/100 · $67.2M · 2025Q4
- NW 92/100
- DELQ 8.9%
- ROA 1.06%
- ASSETS 0.49%
- MEM $67.2M
- RANK 3,400
- PHOTO #856/4,374
- BOOK Franklin Trust
- CHARTER 4022
Call Report peers
Modesto's First in the assets neighbourhood
Modesto's First's $67.2M assets sit next to Franklin Trust ($67.2M) 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.
Modesto's First 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
92 Top 20% higher than 80% 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
Modesto's First - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #4022 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Modesto's First: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +22.06 pp (84.66% vs 62.60%).
- Net Worth Ratio trails the peer set - 8.93% here, 13.62% peer average (-4.69 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for Modesto's First
- Health composite ranks #54 of 243 among scored California credit unions.
- California assets place: #175 of 243.
- California membership ordinal: #175 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Modesto's First's 5300 filing moved
Modesto's First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.3% from $67.2M (2025Q4) to $72.2M (2026Q1).
- Net-worth ratio shifted -0.33 pp (9.26% → 8.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 27.3 pts
- Delinquency Rate 19.6 pts
- Return on Assets 14.9 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for Modesto's First
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.93% | -4.69 pp |
| Delinquency Rate | 1.06% | +0.10 pp |
| Return on Assets | 0.49% | -0.17 pp |
| Member Growth | 6.38% | - |
| Loan-to-Share Ratio | 84.66% | +22.06 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Modesto's First
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $72.2M | - |
| 2025Q4 | $67.2M | 3,400 |
| 2024Q4 | $56.5M | 3,196 |
| 2023Q4 | $52.5M | 3,007 |
Credit Union Details
- Charter Number
- 4022
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- California
- City
- MODESTO
- Data Quarter
- 2025Q4
Branch Location
Modesto's First operates a single office in Modesto, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Modesto, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Modesto's First nationwide neighbourhoods
Modesto's First's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($67.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Modesto's First ranks #856 of 4,374 nationally on financial health and #54 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PARISHIONERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PARISHIONERS
- 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 Modesto's First financially healthy?
A 8.93% net worth ratio and a 1.06% delinquency rate feed into Modesto's First's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #856 of 4,374; by total assets it ranks #2,174 of 4,374 nationally (same basis as /rankings/largest); and #175 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Modesto's First compare to other credit unions?
PlainCU's health composite puts Modesto's First at 92/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Modesto's First?
Modesto's First 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 Modesto's First directly for the exact boundaries and application steps.
Is my money safe at Modesto's First?
Federal credit unions like Modesto's First 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. Modesto's First's net worth ratio of 8.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Modesto's First offer compared to banks?
Credit unions like Modesto's First 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 Modesto's First 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.