Modesto's First
Modesto, CA · Charter 4022 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
$74.2MAssets
$55.2MLoans
$67.3MShares
$6.6MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of credit unions under $1B in assets in CA (rank 5 of 63).
- Widest gap: nonperforming loans / loans trails 82% of credit unions under $1B in assets in CA (rank 52 of 62).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.88%
Rank 22 of 63
Net Interest Margin
3.56%
Rank 30 of 63
Efficiency Ratio
59.79%
Rank 5 of 63
Equity / Assets
8.82%
Rank 45 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.17% | 0.56% | 1.17% | Beats 65% | 22 / 63 | |
| Return on Equity | 9.92% | 1.81% | 4.79% | 8.64% | Beats 79% | 13 / 63 | |
| Net Interest Margin | 3.56% | 3.18% | 3.49% | 3.98% | Beats 52% | 30 / 63 | |
| Efficiency Ratio | 59.79% | 70.58% | 81.25% | 89.21% | Beats 94% | 5 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.99% | 0.17% | 0.42% | 0.85% | Beats 18% | 52 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.82% | 8.61% | 10.56% | 14.01% | Beats 29% | 45 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.82% | 8.61% | 10.56% | 14.01% | Beats 29% | 45 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 81.98% | 53.46% | 72.75% | 85.33% | 71st pctl | 18 / 62 | |
| Loans / Assets | 74.36% | 46.35% | 58.08% | 72.17% | 83rd pctl | 11 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |