credit union · NCUA 4022 · CA
How big is MODESTO'S FIRST?
MODESTO'S FIRST (CA, NCUA charter 4022) reported total assets of $74.2M, 3,593 members and a net worth ratio of 8.83% in its Call Report for 2026Q2. That ranks 2079 of 4,299 federally insured credit unions by assets, 259 of 573 among credit unions with $50m-$100m in assets, 168 of 239 credit unions in california.
What stands out
MODESTO'S FIRST (CA, NCUA charter 4022) reported total assets of $74.2M, 3,593 members and a net worth ratio of 8.83% in its Call Report for 2026Q2. That ranks 2079 of 4,299 federally insured credit unions by assets, 259 of 573 among credit unions with $50m-$100m in assets, 168 of 239 credit unions in california. Against its size class: net worth ratio 8.83%, below the peer median of 12.95%; loan-to-share ratio 81.98%, above the peer median of 60.93%; return on assets 0.88%, above the peer median of 0.73%. At 8.83% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $74.2M | $72.1M | $205.9M | $68.3M | record → |
| Shares and deposits | $67.3M | $61.4M | $179.4M | $58.3M | record → |
| Loans outstanding | $55.2M | $37.6M | $125.6M | $34.4M | record → |
| Net income (year to date) | $324.9k | $269.0k | $432.9k | $222.2k | record → |
| Net worth | $6.6M | $9.2M | $25.9M | $9.0M | record → |
| Net worth ratio | 8.83% | 12.95% | 11.30% | 12.65% | record → |
| Loan-to-share ratio | 81.98% | 60.93% | 72.15% | 68.70% | computed |
| Return on assets | 0.88% | 0.73% | 0.56% | 0.71% | computed |
| Members | 3,593 | 5,030 | 11,423 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $74.2M | $67.3M | $55.2M | $324.9k | 8.83% | 3,593 | 2079 |
| 2026Q1 | $72.2M | $65.5M | $52.4M | $214.2k | 8.93% | 3,477 | 2112 |
| 2025Q4 | $67.2M | $60.9M | $51.6M | $407.4k | 9.26% | 3,400 | 2174 |
| 2025Q3 | $62.0M | $55.3M | $50.5M | $245.9k | 9.79% | 3,378 | 2239 |
| 2025Q2 | $59.7M | $53.5M | $46.6M | $267.9k | 10.19% | 3,292 | 2280 |
| 2025Q1 | $58.7M | $52.5M | $44.4M | $114.9k | 10.11% | 3,246 | 2297 |
| 2024Q4 | $56.5M | $50.5M | $42.9M | $331.0k | 10.30% | 3,196 | 2332 |
| 2024Q3 | $55.6M | $49.4M | $41.2M | $160.0k | 10.15% | 3,150 | 2344 |
| 2024Q2 | $52.9M | $47.2M | $40.9M | $47.8k | 10.47% | 3,090 | 2410 |
| 2024Q1 | $53.6M | $47.9M | $40.4M | $54.4k | 10.34% | 3,036 | 2410 |
| 2023Q4 | $52.5M | $46.8M | $40.4M | $150.7k | 10.45% | 3,007 | 2417 |
| 2023Q3 | $52.6M | $46.9M | $40.5M | $176.2k | 10.48% | 3,001 | 2423 |
| 2023Q2 | $52.2M | $46.5M | $40.0M | $169.4k | 10.56% | 2,991 | 2443 |
| 2023Q1 | $53.0M | $46.9M | $40.5M | $147.5k | 10.35% | 2,976 | 2450 |
| 2022Q4 | $53.2M | $44.6M | $40.6M | $419.5k | 10.03% | 2,949 | 2449 |
| 2022Q3 | $53.6M | $47.3M | $38.7M | $249.6k | 9.65% | 2,917 | 2459 |
| 2022Q2 | $51.4M | $46.2M | $36.4M | $147.3k | 9.86% | 2,881 | 2508 |
| 2022Q1 | $52.0M | $46.2M | $34.1M | $70.9k | 9.59% | 2,838 | 2496 |
| 2021Q4 | $51.7M | $46.7M | $32.6M | $379.5k | 9.51% | 2,808 | 2491 |
| 2021Q3 | $49.8M | $44.7M | $31.1M | $296.4k | 9.70% | 2,831 | 2522 |
| 2021Q2 | $48.9M | $44.0M | $28.2M | $69.7k | 9.42% | 2,794 | 2530 |
| 2021Q1 | $47.1M | $42.3M | $24.5M | $31.4k | 9.69% | 2,755 | 2572 |
| 2020Q4 | $42.0M | $37.3M | $23.1M | $28.6k | 10.82% | 2,733 | 2632 |
| 2020Q3 | $40.7M | $36.0M | $22.8M | $92.7k | 11.32% | 2,741 | 2644 |
| 2020Q2 | $37.4M | $32.8M | $22.5M | $54.2k | 12.19% | 2,719 | 2721 |
| 2020Q1 | $34.4M | $29.8M | $22.1M | $22.8k | 13.19% | 2,593 | 2739 |
| 2019Q4 | $32.5M | $27.9M | $20.9M | $176.7k | 13.86% | 2,652 | 2780 |
| 2019Q3 | $34.0M | $27.9M | $21.0M | $116.7k | 13.06% | 2,633 | 2723 |
| 2019Q2 | $32.1M | $26.5M | $17.6M | $89.6k | 13.83% | 2,555 | 2816 |
| 2019Q1 | $32.0M | $27.5M | $15.6M | $53.3k | 13.72% | 2,492 | 2825 |
| 2018Q4 | $30.8M | $26.3M | $15.3M | $250.2k | 14.14% | 2,474 | 2846 |
| 2018Q3 | $31.8M | $27.4M | $15.3M | $172.0k | 13.45% | 2,512 | 2824 |
| 2018Q2 | $32.3M | $28.0M | $15.4M | $116.9k | 13.11% | 2,532 | 2829 |
| 2018Q1 | $32.1M | $27.8M | $15.4M | $39.8k | 12.95% | 2,534 | 2837 |
| 2017Q4 | $31.1M | $26.5M | $15.4M | $176.5k | 13.21% | 2,534 | 2849 |
| 2017Q3 | $31.7M | $27.5M | $14.0M | $164.9k | 12.95% | 2,557 | 2838 |
| 2017Q2 | $31.7M | $27.7M | $14.0M | $8.9k | 12.45% | 2,567 | 2860 |
| 2017Q1 | $31.9M | $27.9M | $9.1M | $6.6k | 12.37% | 2,554 | 2861 |
| 2016Q4 | $31.1M | $26.7M | $9.0M | $-145.3k | 12.66% | 2,540 | 2872 |
| 2016Q3 | $30.9M | $26.9M | $8.9M | $-149.0k | 12.74% | 2,566 | 2881 |
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