Modesto's First

MODESTO, CA · 1 · Charter #4022 · www.m1fcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$67.2M
18th percentile
Members
3,400
8th percentile
Total loans
$51.6M
41th percentile
Total shares
$60.9M
23th percentile

Profitability

Return on assets
1.58%
80th percentile
Net interest margin
3.51%
42th percentile
Efficiency ratio
43.03%
92th percentile
Non-interest income ratio
8.84%
11th percentile

Capital & Risk

Net worth ratio
9.26%
14th percentile
Delinquency rate
1.06%
31th percentile
Net charge-off rate
0.60%
25th percentile
Loan-to-share
84.66%
79th percentile

Growth

Member growth YoY
6.38%
95th percentile
Asset growth YoY
19.02%
98th percentile
Loan growth YoY
20.22%
97th percentile
Share growth YoY
20.65%
98th percentile

Operations

Members / branch
3,400
57th percentile
Assets / member
$19,778
83th percentile
Field of membership penetration
1.51%
23th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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