Credit union · NCUA insured
Mocse Credit Union
A $430.5M credit union headquartered in Modesto, CA, with 29,926 members and 3 branches in California. Best rates: CDs 2.53% and savings 0.04% APY.
Mocse Credit Union Carrot Score
62
Carrot Score
Higher than 6% of U.S. banks and credit unions
#15 of 16 in Modesto, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mocse Credit Union
- Headquarters
- 3600 Coffee Rd, Modesto, CA 95355-1163
- NCUA charter
- 12805
Branches
3 branches in California
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California
3 branches
- Coffee RoadMain office3600 Coffee Rd, Modesto, CA 95355Directions
- J Street1400 J St, Modesto, CA 95354Directions
- Turlock1401 Geer Rd, Turlock, CA 95380Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.05% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.85% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.19% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $53 | $76 | — |
- CapitalNet worth ratio11.05%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.85%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.19%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$53Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Mocse Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.