Side-by-side · Q2 2026 data
Mechanics Bank vs Corazo Credit Union
Metric by metric
| Measure | Mechanics Bank | Corazo Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 59 |
| Capital cushion | 44 | 90 (stronger) |
| Loan quality | 86 (stronger) | 16 |
| Earnings | 60 (stronger) | 47 |
| Funding & liquidity | 55 | 74 (stronger) |
| Problem-loan coverage | 96 (stronger) | 72 |
| Peer percentile | 54th | 19th |
| Total assets | $21.2B | $243.6M |
| Deposits / shares | $18.1B | $208.2M |
| Capital ratio | 9.38% | 14.01% (stronger) |
| Problem loans | 0.41% (stronger) | 2.51% |
| Net charge-offs | 0.11% (stronger) | 0.99% |
| Return on assets | 0.99% (stronger) | 0.66% |
| Loans ÷ deposits | 74.2% (stronger) | 85.8% |
| Uninsured deposits | 42.9% | 12.0% (stronger) |
| Offices | 166 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.1% | — |
Mechanics Bank has the higher TellerScore (65 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Bank leads on 5 and Corazo Credit Union on 2. 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.
Where both have branches
- Brawley, CA
- El Centro, CA