Mojave Plant Employees Federal Credit Union Mojave, California
Mojave Plant Employees Federal Credit Union is a federal credit union headquartered in Mojave, CA, established in 1957 (NCUA charter 11900), and it is regulated and insured by the NCUA. At Q2 2026 it reported 194 members and total assets of $997K (down 8.8% from Q2 2025), the 236th largest of 238 credit unions headquartered in California. Its net worth ratio was 19.98% at Q2 2026, in the well capitalized band.
Also written as Mojave Plant Employees FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 11900
- Headquarters
- Mojave, CA
- Established
- 1957
- Total assets, Q2 2026
- $997K
- Assets vs Q2 2025
- -8.8%
- Members, Q2 2026
- 194
- Net worth ratio, Q2 2026
- 19.98%
- Latest call report
- Q2 2026, NCUA 5300 · Mojave Plant Employees Federal Credit Union call report
- Asset rank in state
- 236th of 238 in California
- Routing number
- 322279881
- Branches
- 1
It has 4 fewer members than on June 30, 2025 (-2.0%). Its net worth ratio was up 2.47 percentage points from 17.51% on June 30, 2025. Used vehicle loans are its largest loan category, $360K of $591K in total loans on its June 30, 2026 filing.
Credit unions similar in size in California
Frequently asked about Mojave Plant Employees Federal Credit Union
How big is Mojave Plant Employees Federal Credit Union?
At Q2 2026 it reported total assets of $997K and 194 members.
Where is Mojave Plant Employees Federal Credit Union headquartered?
It is headquartered in Mojave, CA, United States.
When was Mojave Plant Employees Federal Credit Union founded?
It was established in 1957, per NCUA records.
Is Mojave Plant Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 11900): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Mojave Plant Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Mojave Plant Employees Federal Credit Union well capitalized?
Its net worth ratio was 19.98% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Mojave Plant Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 74.14% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Mojave, CA 93501
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1957
- NCUA Charter #
- 11900
- RSSD ID
- 707082
- Members
- 194
- Potential members
- 250
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 6 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 19.98% | 14.31% | 76th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.27% | 0.72% | 30th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 1.35% | 4.74% | 27th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.87% | 3.93% | 83rd top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 94.69% | 79.83% | 21st bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.56% | 0.78% | 63rd above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.43% | 4.70% | 77th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 74.14% | 58.92% | 73rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$997K total assets against $1.1M; $798K total shares and deposits against $902K; $591K total loans against $719K.
$199K net worth against $192K.
19.98% net worth ratio against 17.51%.
74.14% loan-to-share ratio against 79.69%.
0.27% return on assets against 1.49%; 1.35% return on equity against 8.51%.
4.87% net interest margin against 4.82%.
194 members against 198.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 19.98% | 0.27% | — | 74.14% |
| March 31, 2026 | 19.42% | 0.82% | — | 78.01% |
| December 31, 2025 | 19.46% | 10.84% | — | 80.19% |
| September 30, 2025 | 18.15% | -7.07% | — | 76.38% |
| June 30, 2025 | 17.51% | 1.49% | — | 79.69% |
| March 31, 2025 | 18.38% | 0.87% | 2.20% | 80.10% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.