Side-by-side · Q2 2026 data
BAC Community Bank vs Mokelumne Federal Credit Union
Credit union
Mokelumne Federal Credit Union
Lodi, California · Under $100 million in assets
Metric by metric
| Measure | BAC Community Bank | Mokelumne Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 88 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 94 (stronger) | 88 |
| Earnings | 51 | 56 (stronger) |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 61st | 85th |
| Total assets | $761.9M | $56.9M |
| Deposits / shares | $673.0M | $46.8M |
| Capital ratio | 11.44% | 16.03% (stronger) |
| Problem loans | 0.18% (stronger) | 0.36% |
| Net charge-offs | 0.02% (stronger) | 0.25% |
| Return on assets | 0.77% | 0.89% (stronger) |
| Loans ÷ deposits | 67.1% | 56.5% (stronger) |
| Uninsured deposits | 28.0% | 0.0% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mokelumne Federal Credit Union has the higher TellerScore (88 vs 75). On the 7 directional measures above (where higher or lower is clearly better), BAC Community Bank leads on 2 and Mokelumne Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.