TellerScore

Headquartered in Modesto, California, Modesto'S First Federal Credit Union is a federal credit union with $74.2M in total assets and $67.3M in member shares and deposits as of Q2 2026. Its charter dates back to 1940.

Based on its Q2 2026 filing, Modesto'S First Federal Credit Union scores 59/100, which we describe as moderate. That is higher than only 20% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 187th. Its strongest component is problem-loan coverage (82/100; 8.8%), and its lowest is capital cushion (38/100; 8.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Net worth ratio: 8.83%
Loan quality67/100
Loans 60+ days delinquent ÷ total loans: 0.99%
Earnings55/100
Return on assets (annualized): 0.88%
Funding & liquidity78/100
Loans ÷ shares: 82.0% · 14.3% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.75%

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 fell 2 points (61 → 59), mostly because the capital cushion component weakened by 14 points.

TellerScore
586367Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202464
Q1 202564
Q2 202561
Q3 202559
Q4 202558
Q1 202667
Q2 202659
Net worth ratio
7.00%8.73%10.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.47%
Q3 202410.15%
Q4 202410.30%
Q1 202510.11%
Q2 202510.19%
Q3 20259.79%
Q4 20259.26%
Q1 20268.93%
Q2 20268.83%
Delinquent loans (60+ days)
0.20%0.71%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.35%
Q4 20240.66%
Q1 20250.80%
Q2 20251.22%
Q3 20250.89%
Q4 20251.06%
Q1 20260.45%
Q2 20260.99%
Return on assets
0.18%0.68%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.18%
Q3 20240.38%
Q4 20240.59%
Q1 20250.78%
Q2 20250.90%
Q3 20250.53%
Q4 20250.61%
Q1 20261.19%
Q2 20260.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$74.2M8.83%0.99%0.88%82.0%
Q1 202667$72.2M8.93%0.45%1.19%79.9%
Q4 202558$67.2M9.26%1.06%0.61%84.7%
Q3 202559$62.0M9.79%0.89%0.53%91.3%
Q2 202561$59.7M10.19%1.22%0.90%87.0%
Q1 202564$58.7M10.11%0.80%0.78%84.7%
Q4 202464$56.5M10.30%0.66%0.59%85.0%
Q3 202466$55.6M10.15%0.35%0.38%83.5%
Q2 202466$52.9M10.47%0.20%0.18%86.6%

2,479 peers · Under $100 million in assets

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 ratio8.83%
8th
Problem loans0.99%
40th
Net charge-offs0.69%
21st
Return on assets0.88%
62nd
Loans to deposits82.0%
17th
Uninsured deposits14.3%
3rd
Loan-loss reserves0.00%
37th
Texas ratio8.8%
16th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Olive View Employees Federal Credit UnionCredit union Sylmar, CA72 out of 100, Strong$74.9M18.9%0.93%vs
Polam Federal Credit UnionCredit union Los Angeles, CA65 out of 100, Moderate$73.2M9.9%0.00%vs
Polam Federal Credit UnionCredit union Redwood City, CA43 out of 100, Below average$72.8M13.6%2.92%vs
Universal City Studios Credit UnionCredit union Burbank, CA56 out of 100, Moderate$71.6M8.0%0.16%vs
Bay Cities Credit UnionCredit union Hayward, CA77 out of 100, Strong$77.6M12.7%0.86%vs
Parishioners Federal Credit UnionCredit union Torrance, CA44 out of 100, Below average$69.9M8.8%2.25%vs

Deposit insurance

Is my money safe at Modesto'S First Federal Credit Union?

Yes. Modesto'S First Federal Credit Union is a federally insured credit union (NCUA charter #4022). 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 14.3% of shares and deposits ($9.6M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.83%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Modesto'S First Federal Credit Union
Type
Federal credit union
NCUA charter #
4022
RSSD ID
264679
Primary regulator
NCUA
Established
1940
Headquarters
430 12th Street, Modesto, CA 95354
Employees
9

Quick answers

Modesto'S First Federal Credit Union: common questions

Is Modesto'S First Federal Credit Union NCUA insured?

Yes. Modesto'S First Federal Credit Union is a federally insured credit union (NCUA charter #4022). 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 Modesto'S First Federal Credit Union's TellerScore?

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