MODESTO'S FIRST
Charter #4022 · MODESTO, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,477 sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of 1.23% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.61% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 2.21% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.66% sits at the 80th 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 | MODESTO'S FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $72.17M | 51th pct | 48th pct |
| Members | 3,477 | 18th pct | 20th pct |
| Net worth ratio | 8.93% | 10th pct | 28th pct |
| Return on average assets | 1.23% | 76th pct | 75th pct |
| Net interest margin | 3.61% | 45th pct | 18th pct |
| Cost of funds | 2.21% | 94th pct | 97th pct |
| Loan-to-share | 79.90% | 83th pct | 56th pct |
| Delinquency 60+ days | 0.45% | 40th pct | 26th pct |
| Net charge-off ratio | 0.66% | 79th pct | 80th pct |
| Loan growth YoY | 3.71% | 88th pct | 69th pct |
| Share growth YoY | 18.46% | 100th pct | 97th pct |
| Efficiency ratio | 61.26% | 12th pct | 8th pct |
structural peer set hash: b099c8d5cbe153019d40d4694d545c21… (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.