MOCSE Credit Union Profile

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MOCSE

Charter #12805 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (209) 572-3600

Fax: (209) 572-1714

Founding Date: N/A

Website: http://www.mocse.org

Personnel & Operations

President: Lake, Dave

Manager: Saunders, Shane

FT Employees: 70

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 34

Branches: 3

Hours: Monday - Thursday 9 am - 5 pm Friday 9 am

Credit Union Profile Summary

MOCSE is a FCU Credit Union. With a total of 29,156 members [1], this institution manages approximately $430,402,382 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.89% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -1.80% [1].

Financial Snapshot

Total Assets [1]
$430,402,382

Total economic resources.

Total Loans [1]
$222,826,984

Total value of outstanding loans.

Total Deposits [1]
$401,007,280

Total funds deposited by members.

Members [1]
29,156

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.89%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.13%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
55.57%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 4.79%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -1.80%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 2.02%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

3600 Coffee Rd

Modesto, CA, 95355-1163
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by MOCSE (Charter #12805).

Main Office

Coffee Road Main Office

Type: Corporate Office

3600 Coffee Rd

Modesto, CA 95355-1163

Phone: (209) 572-3600

Services: Member Services, ATM

Open in Directions

Additional Branches

Modesto

J Street

Type: Branch Office

1400 J St

Modesto, CA 95354-1013

Phone: (209) 572-3600

Services: Member Services, ATM

Open in Directions

Turlock

Turlock

Type: Branch Office

1401 Geer Rd

Turlock, CA 95380-3206

Phone: (209) 632-5400

Services: Member Services, ATM

Open in Directions