MOKELUMNE
Charter #13265 · Lodi, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,927 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.20% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 72nd — a 52-point gap showing why the peer definition matters.
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 | MOKELUMNE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $58.08M | 20th pct | 72th pct |
| Members | 5,927 | 64th pct | 79th pct |
| Net worth ratio | 15.47% | 73th pct | 57th pct |
| Return on average assets | 0.80% | 56th pct | 49th pct |
| Net interest margin | 3.68% | 50th pct | 51th pct |
| Cost of funds | 0.20% | 10th pct | 7th pct |
| Loan-to-share | 54.52% | 39th pct | 44th pct |
| Delinquency 60+ days | 0.37% | 36th pct | 48th pct |
| Net charge-off ratio | 0.02% | 20th pct | 41th pct |
| Loan growth YoY | -3.13% | 34th pct | 57th pct |
| Share growth YoY | 2.44% | 45th pct | 44th pct |
| Efficiency ratio | 80.28% | 51th pct | 62th pct |
structural peer set hash: aee2de03a7489b1c29986b0be7f79272… (reproducible)
Closest structural peers
This is the free public view
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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.