Mocse
Modesto, CA · Charter 12805 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 3 branches
Q2 2026
$425.5MAssets
$207.8MLoans
$388.6MShares
$47.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 84% of credit unions under $1B in assets in CA (rank 10 of 63).
- Widest gap: nonperforming loans / loans trails 74% of credit unions under $1B in assets in CA (rank 47 of 62).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.20%
Rank 15 of 63
Net Interest Margin
4.32%
Rank 11 of 63
Efficiency Ratio
71.28%
Rank 17 of 63
Equity / Assets
11.05%
Rank 30 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.17% | 0.56% | 1.17% | Beats 76% | 15 / 63 | | |
| Return on Equity | 10.83% | 1.81% | 4.79% | 8.64% | Beats 84% | 10 / 63 | | |
| Net Interest Margin | 4.32% | 3.18% | 3.49% | 3.98% | Beats 83% | 11 / 63 | | |
| Efficiency Ratio | 71.28% | 70.58% | 81.25% | 89.21% | Beats 75% | 17 / 63 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.17% | 0.42% | 0.85% | Beats 26% | 47 / 62 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.05% | 8.61% | 10.56% | 14.01% | Beats 52% | 30 / 63 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.05% | 8.61% | 10.56% | 14.01% | Beats 52% | 30 / 63 | | |
| Liquidity & Funding |
| Loans / Deposits | 53.46% | 53.46% | 72.75% | 85.33% | 24th pctl | 47 / 62 | | |
| Loans / Assets | 48.83% | 46.35% | 58.08% | 72.17% | 32nd pctl | 43 / 63 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |