MODESTO'S FIRST
Federal • Modesto, California • Est. 1940
Quick Facts
- Charter Number
- #4022
- Type
- Federal
- Established
- 1940
- Headquarters
- Modesto, California 95354-2423
- Address
- 430 12th St
- Branches
- 1
- Members
- 3,477
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
3,477 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MODESTO'S FIRST |
|---|---|
| Total Assets | $72.2M |
| Members | 3,477 |
| Loans Outstanding | $52.4M |
| Shares & Deposits | $65.5M |
| Net Worth | $6.4M |
| Net Worth Ratio | 8.93% |
| Loan-to-Share Ratio | 79.9% |
| Delinquency Rate | 0.45% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
1 location
Main Office
Main Office430 12th St
Modesto, CA 95354-2423
Who Can Join MODESTO'S FIRST?
Membership Type: Other/Unknown
Membership eligibility for MODESTO'S FIRST may vary. Contact the credit union directly to confirm qualification requirements.
Contact MODESTO'S FIRST directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in California
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View California RankingsFrequently Asked Questions
MODESTO'S FIRST is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, MODESTO'S FIRST has 3,477 members and a potential membership field of 225,000 people.
MODESTO'S FIRST's reported net worth ratio is 8.93% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
MODESTO'S FIRST operates 1 branch location. The main office is located at 430 12th St, Modesto, CA 95354-2423.
MODESTO'S FIRST was established in 1940. It is a federal credit union chartered under charter number 4022. The institution has been serving members for 86 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or MODESTO'S FIRST. All financial data is for informational purposes only.