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P.O. Box 1717
Lodi, CA 95241

Mokelumne Credit Union is headquartered in Lodi and is the 209th largest credit union in the state of California. It is also the 2,391st largest credit union in the nation. It was established in 1959 and as of March of 2014, it had grown to 14 employees and 6,031 members. Mokelumne Credit Union has a B health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in, and business and other legal entities located in the San Joaquin County, California. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Mokelumne Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Mokelumne Credit Union had $215,000 in non-current loans and owned real-estate with $6.28 million in equity and loan loss allowances on hand to cover it. This gives Mokelumne Credit Union a Texas Ratio of 3.43% 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 Mokelumne Credit Union decreased dramatically from 5.29% as of March 31, 2013 to 3.43% as of March 31, 2014, resulting in a positive change of 35.21%.This indicates that the balance sheet and financial strength for Mokelumne Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Mokelumne Credit Union has decreased its total deposits by -$2.32 million, resulting in -5.34% 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 Mokelumne Credit Union has shown is below average.



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. Mokelumne Credit Union has $46.51 million in assets with $6.28 million in equity, resulting in a capitalization level of 13.50%, which is excellent.

Institution Statistics

NCUA #13265
Year Chartered1959
Primary Regulator
Assets and Liabilities
Assets$46.51 million
Loans$16.22 million
Deposits$41.15 million
Equity Capital$5.10 million
Loan Loss Allowance$1.17 million
Unbacked Noncurrent Loans$215,000
Real Estate Owned$0
Historic Data - March 2013
Assets$48.66 million
Equity Capital$4.93 million
Loan Loss Allowance$1.05 million
Unbacked Noncurrent Loans$215,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.44%
Return on Equity4%
Interest Income$402,000

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Mokelumne Credit Union Savings Account Rates

0.10%$100-Primary Shares Account
0.10%$100-Secondary Shares Account
0.10%--Christmas Club Account
0.10%$25-IRA Account
0.10%$25-Young Saver Account
0.10%$25-Roth IRA Account

Mokelumne Credit Union Money Market Rates

0.20%$50k-Money Market Account

Mokelumne Credit Union Checking Account Rates

0.15%$25-Senior Checking Account

Mokelumne Credit Union CD Rates

0.35%$2k-24 Month Share Certificate
0.20%$2k-12 Month Share Certificate
0.20%$200-6 Month Young Saver Certificate
0.15%$2k-6 Month Share Certificate

Mokelumne Credit Union IRA Rates

0.35%$1,500-24 Month IRA Certificate
0.20%$1,500-12 Month IRA Certificate
0.15%$1,500-6 Month IRA Certificate

Mokelumne Credit Union Locations
Branch Office2310 Tienda Dr Ste 204Lodi, CA 95242-4130
Branch Office531 N Mills AveLodi, CA 95242-2220