TellerScore

Headquartered in Lodi, California, Mokelumne Federal Credit Union is a federal credit union with $56.9M in total assets and $46.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1959.

Mokelumne Federal Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 85% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 20th. Capital cushion contributes the most (100/100, 16.03%); earnings contributes the least (56/100, 0.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.03%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.36%
Earnings56/100
Return on assets (annualized): 0.89%
Funding & liquidity100/100
Loans ÷ shares: 56.5% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.04%

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 4 points (92 → 88), mostly because the loan quality component weakened by 12 points.

TellerScore
818792Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202484
Q4 202485
Q1 202588
Q2 202592
Q3 202591
Q4 202592
Q1 202687
Q2 202688
Net worth ratio
7.00%11.52%16.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.24%
Q3 202413.85%
Q4 202414.04%
Q1 202514.23%
Q2 202514.95%
Q3 202515.35%
Q4 202515.56%
Q1 202615.47%
Q2 202616.03%
Delinquent loans (60+ days)
0.00%0.19%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.26%
Q3 20240.14%
Q4 20240.09%
Q1 20250.06%
Q2 20250.00%
Q3 20250.22%
Q4 20250.02%
Q1 20260.37%
Q2 20260.36%
Return on assets
0.54%0.80%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.60%
Q4 20240.65%
Q1 20250.83%
Q2 20251.02%
Q3 20251.04%
Q4 20251.06%
Q1 20260.79%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$56.9M16.03%0.36%0.89%56.5%
Q1 202687$58.1M15.47%0.37%0.79%54.5%
Q4 202592$57.0M15.56%0.02%1.06%56.3%
Q3 202591$56.8M15.35%0.22%1.04%57.7%
Q2 202592$57.3M14.95%0.00%1.02%57.2%
Q1 202588$59.0M14.23%0.06%0.83%53.3%
Q4 202485$58.9M14.04%0.09%0.65%52.6%
Q3 202484$58.8M13.85%0.14%0.60%53.4%
Q2 202481$60.8M13.24%0.26%0.54%51.3%

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 ratio16.03%
60th
Problem loans0.36%
65th
Net charge-offs0.25%
43rd
Return on assets0.89%
63rd
Loans to deposits56.5%
53rd
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.0%
65th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Huntington Beach Credit UnionCredit union Huntington Beac, CA84 out of 100, Strong$56.4M13.1%0.54%vs
L. A. Electrical Workers Credit Un. Credit UnionCredit union Pasadena, CA88 out of 100, Very strong$54.8M19.8%0.08%vs
Jacom Credit UnionCredit union Los Angeles, CA82 out of 100, Strong$54.1M16.6%0.06%vs
Inland Valley Federal Credit UnionCredit union Fontana, CA65 out of 100, Moderate$54.0M8.7%0.18%vs
U.P.S. Employees Federal Credit UnionCredit union Ontario, CA61 out of 100, Moderate$51.8M7.5%0.26%vs
Bopti Federal Credit UnionCredit union San Pedro, CA76 out of 100, Strong$63.3M24.8%1.52%vs

Deposit insurance

Is my money safe at Mokelumne Federal Credit Union?

Yes. Mokelumne Federal Credit Union is a federally insured credit union (NCUA charter #13265). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 16.03%, well 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Mokelumne Federal Credit Union
Type
Federal credit union
NCUA charter #
13265
RSSD ID
810982
Primary regulator
NCUA
Established
1959
Headquarters
P.O. Box 1717, Lodi, CA 95241
Employees
15

Quick answers

Mokelumne Federal Credit Union: common questions

Is Mokelumne Federal Credit Union NCUA insured?

Yes. Mokelumne Federal Credit Union is a federally insured credit union (NCUA charter #13265). 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 Mokelumne Federal Credit Union's TellerScore?

88 out of 100 (Very 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 Mokelumne Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lodi

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of StocktonBank Stockton, CA94 out of 100, Very strong$5.0B19.9%0.08%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Smw 104 Federal Credit UnionCredit union Livermore, CA89 out of 100, Very strong$117.9M12.7%0.32%vs
Pacific Service Credit UnionCredit union Concord, CA82 out of 100, Strong$1.3B15.5%0.35%vs
Delta Schools Federal Credit UnionCredit union Antioch, CA81 out of 100, Strong$66.5M10.7%0.00%vs
Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA79 out of 100, Strong$5.8B11.7%0.13%vs