Mokelumne
Lodi, CA · Charter 13265 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
$56.9MAssets
$26.5MLoans
$46.8MShares
$9.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 89% of credit unions under $1B in assets in CA (rank 7 of 63).
- Widest gap: return on equity trails 48% of credit unions under $1B in assets in CA (rank 30 of 63).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
0.89%
Rank 21 of 63
Net Interest Margin
3.84%
Rank 21 of 63
Efficiency Ratio
77.92%
Rank 27 of 63
Equity / Assets
16.03%
Rank 7 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.17% | 0.56% | 1.17% | Beats 67% | 21 / 63 | | |
| Return on Equity | 5.57% | 1.81% | 4.79% | 8.64% | Beats 52% | 30 / 63 | | |
| Net Interest Margin | 3.84% | 3.18% | 3.49% | 3.98% | Beats 67% | 21 / 63 | | |
| Efficiency Ratio | 77.92% | 70.58% | 81.25% | 89.21% | Beats 59% | 27 / 63 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.17% | 0.42% | 0.85% | Beats 56% | 28 / 62 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.03% | 8.61% | 10.56% | 14.01% | Beats 89% | 7 / 63 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.03% | 8.61% | 10.56% | 14.01% | Beats 89% | 7 / 63 | | |
| Liquidity & Funding |
| Loans / Deposits | 56.48% | 53.46% | 72.75% | 85.33% | 32nd pctl | 42 / 62 | | |
| Loans / Assets | 46.47% | 46.35% | 58.08% | 72.17% | 25th pctl | 47 / 63 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |