MOCSE
Federal • Modesto, California • Est. 1959
Quick Facts
- Charter Number
- #12805
- Type
- Federal
- Established
- 1959
- Headquarters
- Modesto, California 95355-1163
- Address
- 3600 Coffee Rd
- Branches
- 3
- ATMs
- 3
- Members
- 29,690
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
29,690 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MOCSE |
|---|---|
| Total Assets | $430.2M |
| Members | 29,690 |
| Loans Outstanding | $218.0M |
| Shares & Deposits | $396.5M |
| Net Worth | $44.5M |
| Net Worth Ratio | 10.34% |
| Loan-to-Share Ratio | 55.0% |
| Delinquency Rate | 0.81% |
| Net Income | +$7,054,162 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 3 ATMs
Coffee Road
Main Office3600 Coffee Rd
Modesto, CA 95355-1163
J Street
1400 J St
Modesto, CA 95354-1013
Turlock
1401 Geer Rd
Turlock, CA 95380-3206
Who Can Join MOCSE?
Membership Type: Community
Membership eligibility for MOCSE may vary. Contact the credit union directly to confirm qualification requirements.
Contact MOCSE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View California RankingsFrequently Asked Questions
Yes. MOCSE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, MOCSE has 29,690 members and a potential membership field of 881,000 people.
MOCSE's net worth ratio is 10.34% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.3%, MOCSE meets this threshold.
MOCSE operates 3 branch locations and has access to 3 ATMs. The main office is located at 3600 Coffee Rd, Modesto, CA 95355-1163.
MOCSE was established in 1959. It is a federal credit union chartered under charter number 12805. The institution has been serving members for 67 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MOCSE. All financial data is for informational purposes only.