Side-by-side · Q2 2026 data
Mechanics & Farmers Bank vs Summit Credit Union
Metric by metric
| Measure | Mechanics & Farmers Bank | Summit Credit Union |
|---|---|---|
| TellerScore | 64 | 82 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 20 | 76 (stronger) |
| Earnings | 47 | 56 (stronger) |
| Funding & liquidity | 76 | 82 (stronger) |
| Problem-loan coverage | 82 | 94 (stronger) |
| Peer percentile | 26th | 82nd |
| Total assets | $476.0M | $368.8M |
| Deposits / shares | $402.2M | $298.4M |
| Capital ratio | 15.10% | 15.44% (stronger) |
| Problem loans | 2.39% | 0.71% (stronger) |
| Net charge-offs | 0.75% (stronger) | 1.22% |
| Return on assets | 0.68% | 0.91% (stronger) |
| Loans ÷ deposits | 67.7% (stronger) | 78.3% |
| Uninsured deposits | 30.2% | 11.0% (stronger) |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Summit Credit Union has the higher TellerScore (82 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Mechanics & Farmers Bank leads on 2 and Summit Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.