Sep, 30, 2025 — MOCSE FEDERAL CREDIT UNION is a federal credit union headquartered in MODESTO, CA with 3 branch locations and about $427.84 million in total assets. Opened 67 years ago in 1959, MOCSE FEDERAL CREDIT UNION has about 29,485 members and employs 73 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MOCSE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 3600 Coffee Rd MODESTO, CA 95355-1163 |
| Phone: | (209) 572-3600 |
| Fax: | (209) 572-1714 |
| Website: | https://www.mocse.org |
| Branches: | 3 branch locations |
| Members: | 29,485 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 12805 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1959 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $427,840,075 |
| CEO/Manager: | Shane Saunders |
| Chairperson: | Dave Lake |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 55,928,644 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 57,688,188 |
| Unsecured Loans | 20,227,982 |
| Other Loans | 146,524,457 |
| TOTAL LOANS | 224,440,627 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -6,012,500 |
| Land And Building | 1,643,042 |
| Other Fixed Assets | 1,813,803 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,688,612 |
| All Other Assets | 981,232 |
| TOTAL ASSETS | 427,840,075 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 2,303 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,394,990 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 111,228,417 |
| Regular shares | 151,933,473 |
| All Other Shares & Deposits | 133,151,420 |
| TOTAL SHARES & DEPOSITS | 396,313,309 |
| TOTAL LIABILITIES | 399,710,602 |
| Regular Reserve | 0 |
| Other Reserves | -3,589,513 |
| Undivided Earnings | 31,718,986 |
| TOTAL EQUITY | 28,129,473 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 427,840,075 |
| INCOME & EXPENSE | |
| Loan Income | 10,985,862 |
| Investment Income | 4,004,675 |
| Other Income | 1,725,785 |
| Total Employee Compensation & Benefits | 5,177,459 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 6,379,619 |
| Non-operating Income & (Expense) | 93,770 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 2,306,210 |
| Cost of Funds | 1,917,586 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,296,510 |
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