Side-by-side · Q2 2026 data
Mechanics Bank vs Monterey Credit Union
Metric by metric
| Measure | Mechanics Bank | Monterey Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 50 |
| Capital cushion | 44 (stronger) | 38 |
| Loan quality | 86 (stronger) | 68 |
| Earnings | 60 (stronger) | 13 |
| Funding & liquidity | 55 | 73 (stronger) |
| Problem-loan coverage | 96 (stronger) | 81 |
| Peer percentile | 54th | 6th |
| Total assets | $21.2B | $360.5M |
| Deposits / shares | $18.1B | $296.4M |
| Capital ratio | 9.38% (stronger) | 8.75% |
| Problem loans | 0.41% (stronger) | 0.97% |
| Net charge-offs | 0.11% (stronger) | 0.70% |
| Return on assets | 0.99% (stronger) | -0.18% |
| Loans ÷ deposits | 74.2% (stronger) | 87.5% |
| Uninsured deposits | 42.9% | 0.0% (stronger) |
| Offices | 166 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.1% | 50.0% |
Mechanics Bank has the higher TellerScore (65 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Bank leads on 6 and Monterey Credit Union on 1. 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.