MODESTO'S FIRST
Federal • MODESTO, California • Est. 1940
Quick Facts
- Charter Number
- #4022
- Type
- Federal
- Established
- 1940
- Headquarters
- MODESTO, California 95354
- Address
- 430 12TH STREET
- Branches
- 1
- Members
- 3,400
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
3,400 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MODESTO'S FIRST |
|---|---|
| Total Assets | $67.2M |
| Members | 3,400 |
| Loans Outstanding | $51.6M |
| Shares & Deposits | $60.9M |
| Net Worth | $6.2M |
| Net Worth Ratio | 9.26% |
| Loan-to-Share Ratio | 84.7% |
| Delinquency Rate | 1.06% |
| Net Income | +$1,060,755 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View California RankingsFrequently Asked Questions
Yes. MODESTO'S FIRST 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, MODESTO'S FIRST has 3,400 members and a potential membership field of 225,000 people.
MODESTO'S FIRST's net worth ratio is 9.26% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.3%, MODESTO'S FIRST meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MODESTO'S FIRST. All financial data is for informational purposes only.