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Overview / Commentary
3600 Coffee Rd
Modesto, CA 95355

Mocse Credit Union is headquartered in Modesto and is the 104th largest credit union in the state of California. It is also the 865th largest credit union in the nation. It was established in 1959 and as of December of 2013, it had grown to 66 employees and 30,274 members. Mocse Credit Union has a A health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Stanislaus, Mariposa, Merced or Tuolumne County. Also open to employees of the California National Guard, Modesto Battalion or several other Institutions and companies. - See Details

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Mocse Credit Union had $232,000 in non-current loans and owned real-estate with $19.65 million in equity and loan loss allowances on hand to cover it. This gives Mocse Credit Union a Texas Ratio of 1.18% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Mocse Credit Union decreased slightly from 1.65% as of December 31, 2012 to 1.18% as of December 31, 2013, resulting in a positive change of 28.66%.This indicates that the balance sheet and financial strength for Mocse Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Mocse Credit Union has increased its total deposits by $10.05 million, resulting in 5.4% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Mocse Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Mocse Credit Union has $217.06 million in assets with $19.65 million in equity, resulting in a capitalization level of 9.05%, which is average.

Institution Statistics

NCUA #12805
Year Chartered1959
Primary Regulator
Assets and Liabilities
Assets$217.06 million
Loans$68.57 million
Deposits$196.06 million
Equity Capital$19.05 million
Loan Loss Allowance$607,000
Unbacked Noncurrent Loans$232,000
Real Estate Owned$0
Historic Data - December 2012
Assets$206.74 million
Equity Capital$18.89 million
Loan Loss Allowance$999,000
Unbacked Noncurrent Loans$232,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.42%
Return on Assets0.17%
Return on Equity1.98%
Interest Income$4.63 million

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Mocse Credit Union Savings Account Rates

0.12%$25k-IRA Share Account
0.12%$25k-Roth IRA Share Account
0.12%$25k-Educational IRA Share Account
0.12%$25k-SEP IRA Share Account
0.03%--Share Savings Account
0.03%--Club Account
0.03%--CU Succeed Youth Account
0.03%--Savasaurus Child Account

Mocse Credit Union Money Market Rates

0.12%$25k-Share Money Market Account

Mocse Credit Union Checking Account Rates

0.00%--Checking Account

Mocse Credit Union CD Rates

0.00%$500-90 Day CD
0.00%$500-6 Month CD
0.00%$500-1 Year CD
0.00%$500-18 Month CD

Mocse Credit Union Locations
Branch Office430 N Washington StSonora, CA 95370
Branch Office321 E Main StTurlock, CA 95380-4537
Branch Office1400 J StModesto, CA 95354-1013
Branch Office3600 Coffee RdModesto, CA 95355-1163