This work presents a compact statistical model of the retinal image quality in a large population of human eyes following two objectives. The first was to develop a general modal representation of the optical transfer function (OTF) in terms of orthogonal functions and construct a basis composed of cross-correlations between pairs of complex Zernike polynomials. That basis was not orthogonal and highly redundant, requiring the application of singular value decomposition (SVD) to obtain an orthogonal basis with a significantly lower dimensionality. The first mode is the OTF of the perfect system, and hence the modal representation, is highly compact for well-corrected optical systems, and vice-versa. The second objective is to apply this modal representation to the OTFs of a large population of human eyes for a pupil diameter of 5 mm. This permits an initial strong data compression. Next, principal component analysis (PCA) is applied to obtain further data compression, leading to a compact statistical model of the initial population. In this model each OTF is approximated by the sum of the population mean plus a linear combination of orthogonal eigenfunctions (eigen-OTF) accounting for a selected percentage (90%) of the population variance. This type of models can be useful for Monte Carlo simulations among other applications.