C
Modesto's First Federal Credit Union
ModestoCA
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Modesto's First Federal Credit Union
Modesto, CA
Click to
Compare
Click to
Compare
Click to
Compare
Rating C
Asset Quality Index 7.10
Capitalization Index 7.90
Liquidity Index 3.20
Profitability Index 5.30
Stability Index 5.00
Company Info Modesto's First Federal Credit Union
Modesto, CA
Click to
Compare
Click to
Compare
Click to
Compare
NCUA Charter Number 1127
Phone Number (209) 521-2020
Website www.m1fcu.org
Asset Quality Modesto's First Federal Credit Union
Modesto, CA
Click to
Compare
Click to
Compare
Click to
Compare
1-Year Asset Growth 9.40%
5-Year Asset Growth 11.66%
5-Year Charge-Offs to Average Loans 0.20%
Charge-Offs to Average Loans 0.37%
Non-Performing Assets to Assets 0.60%
Non-Performing Loans to Capital 5.75%
Non-Performing Loans to Loans 0.80%
Balance Sheet Modesto's First Federal Credit Union
Modesto, CA
Click to
Compare
Click to
Compare
Click to
Compare
Total Assets 58.68M
Total Deposits 52.47M
Capital and Reserves Modesto's First Federal Credit Union
Modesto, CA
Click to
Compare
Click to
Compare
Click to
Compare
Capital 5.94M
Leverage Ratio 10.11
Loan Loss Reserves to Loans 0.55%
Liquidity Modesto's First Federal Credit Union
Modesto, CA
Click to
Compare
Click to
Compare
Click to
Compare
Hot Money Ratio 27.07%
Liquidity Ratio 16.92%
Profitability Modesto's First Federal Credit Union
Modesto, CA
Click to
Compare
Click to
Compare
Click to
Compare
5-Year Return on Average Assets 0.51%
Net Income 115.00K
Net Interest Spread 3.81%
Operating Profit to Average Assets 1.38%
Overhead Efficiency Ratio 65.32%
Return on Assets 0.80%
Return on Equity 7.83%