Modesto's First
Modesto's First is a credit union based in Modesto, California, established in 1940, with $72 million in total assets serving 3,477 members. By Trust Grade it ranks 126th of 241 credit unions we track in California. Its net worth ratio of 8.9% trails most similarly sized credit unions (10th percentile), versus a California median of 11.1%. It was profitable over the most recent period, with a 1.19% return on assets. No consumer complaints against Modesto's First appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Modesto's First compares to California peers
How we graded Modesto's First
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.9% capital ratio)
- Strongly profitable (ROA 1.19%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Modesto's First over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Modesto's First insured?
Yes. Modesto's First is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Modesto's First: frequently asked questions
Is Modesto's First a good credit union?
Modesto's First earns a Bankzia Trust Grade of B (87/100, "Strong"), based on a financial-strength score of 87/100 (it has no CFPB complaints on record). Well-capitalized (8.9% capital ratio); Strongly profitable (ROA 1.19%).
Is Modesto's First NCUA-insured?
Yes. Modesto's First is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Modesto's First?
Modesto's First holds $72 million in total assets, ranking 126th of 241 credit unions we track in California. It serves 3,477 members.
Does Modesto's First have CFPB complaints?
No CFPB complaints against Modesto's First appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
