Modesto's First Federal Credit Union
Headquarters
430 12th Street
Modesto, CA 95354
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2024 Overview
General Credit Union Information
Modesto's First is an NCUA insured institution located in Modesto, CA. It was founded in 1940 and has approximately $52.55 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 4022 |
| Date Established | 1940 |
| Assets | $52.55 million |
| Loans | $40.42 million |
| Deposits | $46.83 million |
| Capital | $5.49 million |
Field of Membership Restrictions
Membership is open to employees of the city of Modesto, Lucent Technologies, Proctor and Gamble working in Stanislaus County, AT&T working in Stanislaus County, A. E. Kline DVM / College Veterinary Hospital, Liquid container L.P., Modesto Tractor, Fabricated Extrusion working in Modesto, European Automotive Specialties, Manteca Ambulance Service – Manteca & Sonora, City of Hughson, Four Star Recovery, Capital Auctions, Physicians, physician’s staff members of Stanislaus Medical Society in Modesto, and select other groups.
Deposit Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
We do not yet have rates for Modesto's First
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Loan Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Modesto's First
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.787% | 6.750% | 0.38 | $1,203 | $2,076 | Learn More |
NMLS ID: 2059741 |
7.004% | 6.875% | 0.63 | $4,192 | $2,103 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Modesto's First
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Modesto's First branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
MODESTO'S FIRST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Modesto's First Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Modesto's First. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Modesto's First | U.S. Average |
|---|---|
| 5.91% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Modesto's First had $120,660 in non-current loans and $210,000 in owned assets. To cover these potential losses it had $5,488,912 in net worth and $103,115 in loans loss reserves. That gives it a Texas Ratio of 5.91%.
Net Worth
| Modesto's First | U.S. Average |
|---|---|
| 10.45% | 13.62% |
Modesto's First FCU has a net worth of 10.45% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Modesto's First
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