TellerScore

Headquartered in Modesto, California, Mocse Federal Credit Union is a federal credit union with $425.5M in total assets and $388.6M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1959.

Based on its Q2 2026 filing, Mocse Federal Credit Union scores 74/100, which we describe as strong. That is higher than 63% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 92nd. Its strongest component is funding & liquidity (100/100; 53% loans-to-deposits, 5% uninsured), and its lowest is capital cushion (61/100; 11.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.05%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.85%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity100/100
Loans ÷ shares: 53.5% · 4.6% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.68%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (70 → 74), mostly because the capital cushion component improved by 12 points.

TellerScore
606774Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202461
Q4 202460
Q1 202568
Q2 202570
Q3 202570
Q4 202570
Q1 202672
Q2 202674
Net worth ratio
7.00%9.03%11.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.42%
Q3 20249.64%
Q4 20249.75%
Q1 20259.50%
Q2 20259.89%
Q3 202510.16%
Q4 202510.34%
Q1 202610.58%
Q2 202611.05%
Delinquent loans (60+ days)
0.73%1.06%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.06%
Q3 20241.28%
Q4 20241.39%
Q1 20250.78%
Q2 20250.74%
Q3 20250.82%
Q4 20250.81%
Q1 20260.73%
Q2 20260.85%
Return on assets
0.62%0.91%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.62%
Q3 20240.71%
Q4 20240.67%
Q1 20251.01%
Q2 20251.11%
Q3 20251.03%
Q4 20251.01%
Q1 20260.97%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$425.5M11.05%0.85%1.20%53.5%
Q1 202672$430.5M10.58%0.73%0.97%53.0%
Q4 202570$430.2M10.34%0.81%1.01%55.0%
Q3 202570$427.8M10.16%0.82%1.03%56.6%
Q2 202570$430.4M9.89%0.74%1.11%55.6%
Q1 202568$434.4M9.50%0.78%1.01%53.2%
Q4 202460$412.1M9.75%1.39%0.67%56.1%
Q3 202461$410.5M9.64%1.28%0.71%59.1%
Q2 202462$410.7M9.42%1.06%0.62%59.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.05%
45th
Problem loans0.85%
39th
Net charge-offs1.42%
4th
Return on assets1.20%
78th
Loans to deposits53.5%
87th
Uninsured deposits4.6%
64th
Loan-loss reserves0.00%
50th
Texas ratio4.7%
43rd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Glendale Area Schools Credit UnionCredit union Glendale, CA67 out of 100, Moderate$422.1M13.1%1.01%vs
Yolo Federal Credit UnionCredit union Woodland, CA76 out of 100, Strong$412.4M13.0%0.78%vs
Eagle Community Credit UnionCredit union Lake Forest, CA63 out of 100, Moderate$409.2M9.9%0.49%vs
Cahp Credit UnionCredit union Sacramento, CA68 out of 100, Moderate$406.7M8.9%0.10%vs
Aerospace Federal Credit UnionCredit union Los Angeles, CA64 out of 100, Moderate$445.7M9.5%0.30%vs
Popa Federal Credit UnionCredit union Cerritos, CA75 out of 100, Strong$404.5M11.8%0.79%vs

Deposit insurance

Is my money safe at Mocse Federal Credit Union?

Yes. Mocse Federal Credit Union is a federally insured credit union (NCUA charter #12805). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.6% of shares and deposits ($17.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.05%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Mocse Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Mocse Federal Credit Union reported 2 home-loan applications under HMDA (LEI 5493006JV2DB2OI1FI31): 1 originated ($185,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 50.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Mocse Federal Credit Union
Type
Federal credit union
NCUA charter #
12805
RSSD ID
169381
Primary regulator
NCUA
Established
1959
Headquarters
3600 Coffee Rd, Modesto, CA 95355
Employees
71

Quick answers

Mocse Federal Credit Union: common questions

Is Mocse Federal Credit Union NCUA insured?

Yes. Mocse Federal Credit Union is a federally insured credit union (NCUA charter #12805). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Mocse Federal Credit Union's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Mocse Federal Credit Union have?

2 offices as of the latest NCUA data.