Side-by-side · Q2 2026 data
Mechanics Bank vs Siskiyou Credit Union
Metric by metric
| Measure | Mechanics Bank | Siskiyou Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 61 |
| Capital cushion | 44 | 47 (stronger) |
| Loan quality | 86 (stronger) | 60 |
| Earnings | 60 | 68 (stronger) |
| Funding & liquidity | 55 | 79 (stronger) |
| Problem-loan coverage | 96 (stronger) | 67 |
| Peer percentile | 54th | 24th |
| Total assets | $21.2B | $144.3M |
| Deposits / shares | $18.1B | $133.6M |
| Capital ratio | 9.38% | 9.66% (stronger) |
| Problem loans | 0.41% (stronger) | 1.19% |
| Net charge-offs | 0.11% (stronger) | 1.44% |
| Return on assets | 0.99% | 1.19% (stronger) |
| Loans ÷ deposits | 74.2% (stronger) | 81.7% |
| Uninsured deposits | 42.9% | 5.8% (stronger) |
| Offices | 166 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.1% | — |
Mechanics Bank has the higher TellerScore (65 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Bank leads on 4 and Siskiyou Credit Union on 3. 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
- Yreka, CA