Federal credit union · Lodi, California · NCUA charter #13265
MOKELUMNE
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $57.0M
- Total assets
- 5,910
- Members
- 15.5%
- Net-worth ratio
MOKELUMNE scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $57.0M; members 5,910; net-worth ratio 15.47%; health rank #903 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#903 of 4,374 health · 2025Q4MOKELUMNE · health 91/100 · $57.0M · 2025Q4
Call Report peers
MOKELUMNE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MOKELUMNE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MOKELUMNE 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
MOKELUMNE vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +1.85 pp (15.47% vs 13.62%).
- Largest lag: Loan-to-Share Ratio at 56.26% vs peer 62.60% (-6.34 pp).
Where MOKELUMNE sits in California
- Health composite ranks #55 of 243 among scored California credit unions.
- California assets place: #180 of 243.
- California membership ordinal: #151 of 243.
- One place up in California, Modesto's First (#54) scores 92/100, 1 point higher; one place down, VIDA (#56) ties at 91/100.
MOKELUMNE Call Report trajectory
MOKELUMNE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $57.0M (2025Q4) to $58.1M (2026Q1).
- Net-worth ratio shifted -0.09 pp (15.56% → 15.47%).
This credit union's 15.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
MOKELUMNE gives up 9 points in total. Member Growth costs the most, 6.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.6 pts
- Loan-to-Share Ratio 12.4 pts
MOKELUMNE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.47% | +1.85 pp |
| Delinquency Rate | 0.02% | -0.94 pp |
| Return on Assets | 0.67% | +0.01 pp |
| Member Growth | -0.22% | - |
| Loan-to-Share Ratio | 56.26% | -6.34 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - MOKELUMNE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $58.1M | - |
| 2025Q4 | $57.0M | 5,910 |
| 2024Q4 | $58.9M | 5,923 |
| 2023Q4 | $64.4M | 6,041 |
Credit Union Details
- Charter Number
- 13265
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- California
- City
- Lodi
- Data Quarter
- 2025Q4
Branch Locations (2)
MOKELUMNE operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Trinity Parkway (Main Office) | Stockton, CA |
| Tienda | Lodi, 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.
MOKELUMNE nationwide neighbourhoods
Using this data
- MOKELUMNE ranks #903 of 4,374 nationally on financial health and #55 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- JACOM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with JACOM
Frequently Asked Questions
Is MOKELUMNE financially healthy?
MOKELUMNE has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #903 of 4,374 nationally on health and #55 of 243 in California. Its net worth ratio is 15.47% and its delinquency rate 0.02%.
How does MOKELUMNE compare to other credit unions?
MOKELUMNE scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (15.47% vs 13.62%). Its widest shortfall is loan-to-share ratio (56.26% vs 62.60%).
How can I join MOKELUMNE?
MOKELUMNE 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 MOKELUMNE directly for the exact boundaries and application steps.
Is my money safe at MOKELUMNE?
MOKELUMNE 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. MOKELUMNE's net worth ratio of 15.47% 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.