Mocse

Modesto, CA · 1 · Charter #12805 · www.mocse.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$430.2M
48th percentile
Members
29,690
52th percentile
Total loans
$218.0M
27th percentile
Total shares
$386.5M
51th percentile

Profitability

Return on assets
1.64%
87th percentile
Net interest margin
4.09%
85th percentile
Efficiency ratio
62.41%
35th percentile
Non-interest income ratio
20.99%
62th percentile

Capital & Risk

Net worth ratio
10.34%
42th percentile
Delinquency rate
0.81%
40th percentile
Net charge-off rate
1.27%
7th percentile
Loan-to-share
56.39%
8th percentile

Growth

Member growth YoY
2.85%
76th percentile
Asset growth YoY
4.39%
43th percentile
Loan growth YoY
-0.16%
25th percentile
Share growth YoY
2.00%
27th percentile

Operations

Members / branch
9,897
93th percentile
Assets / member
$14,491
34th percentile
Field of membership penetration
3.37%
42th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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