Side-by-side · Q2 2026 data
Mokelumne Federal Credit Union vs Central State Credit Union
Credit union
Mokelumne Federal Credit Union
Lodi, California · Under $100 million in assets
Metric by metric
| Measure | Mokelumne Federal Credit Union | Central State Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 88 (stronger) | 87 |
| Earnings | 56 (stronger) | 31 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 85th | 34th |
| Total assets | $56.9M | $258.2M |
| Deposits / shares | $46.8M | $211.3M |
| Capital ratio | 16.03% (stronger) | 9.01% |
| Problem loans | 0.36% (stronger) | 0.40% |
| Net charge-offs | 0.25% (stronger) | 0.28% |
| Return on assets | 0.89% (stronger) | 0.28% |
| Loans ÷ deposits | 56.5% | 40.8% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 6.2% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mokelumne Federal Credit Union has the higher TellerScore (88 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Mokelumne Federal Credit Union leads on 6 and Central State Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.