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Modesto'S First
MODESTO, CA · NCUA Charter #4022 · Federal charter · Chartered 1940
Total assets
$74.25M
Shares & deposits
$67.34M
Total loans
$55.21M
Members
3,593
Net worth
$6.55M
Branches
1
Rank: #2,079 of 4,299 U.S. credit unions by assets · #168 of 239 in California. Assets changed 24.3% and membership 9.1% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 8.83% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.42% |
| Loans to shares & deposits | 82.0% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $51.40M | $46.24M | $0 | $5.07M |
| Jun 2023 | $52.18M | $46.54M | $0 | $5.51M |
| Jun 2024 | $52.89M | $47.22M | $0 | $5.54M |
| Jun 2025 | $59.72M | $53.52M | $0 | $6.09M |
| Jun 2026 | $74.25M | $67.34M | $0 | $6.55M |
Branch footprint
| State | Branches |
|---|---|
| California | 1 |
Similar-sized credit unions
L C E ($74.27M) · Lincoln Public School Employees ($74.12M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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