MOCSE
Charter #12805 · Modesto, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 29,926 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.09% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.52% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.11% sits at the 85th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MOCSE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $430.49M | 94th pct | 92th pct |
| Members | 29,926 | 94th pct | 87th pct |
| Net worth ratio | 10.58% | 37th pct | 31th pct |
| Return on average assets | 0.97% | 68th pct | 66th pct |
| Net interest margin | 4.09% | 75th pct | 77th pct |
| Cost of funds | 0.52% | 20th pct | 25th pct |
| Loan-to-share | 52.97% | 15th pct | 30th pct |
| Delinquency 60+ days | 0.73% | 60th pct | 70th pct |
| Net charge-off ratio | 1.11% | 91th pct | 85th pct |
| Loan growth YoY | -6.43% | 3th pct | 0th pct |
| Share growth YoY | 0.05% | 10th pct | 7th pct |
| Efficiency ratio | 76.25% | 42th pct | 39th pct |
structural peer set hash: 9b81303ee2aa886cbbcf29aba1283c5d… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.