Side-by-side · Q2 2026 data
Mechanics Bank vs Sun Community Federal Credit Union
Credit union
Sun Community Federal Credit Union
El Centro, California · $100 million – $1 billion
Metric by metric
| Measure | Mechanics Bank | Sun Community Federal Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 56 |
| Capital cushion | 44 (stronger) | 34 |
| Loan quality | 86 | 92 (stronger) |
| Earnings | 60 (stronger) | 10 |
| Funding & liquidity | 55 | 73 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 54th | 13th |
| Total assets | $21.2B | $895.6M |
| Deposits / shares | $18.1B | $803.4M |
| Capital ratio | 9.38% (stronger) | 8.40% |
| Problem loans | 0.41% | 0.25% (stronger) |
| Net charge-offs | 0.11% (stronger) | 1.73% |
| Return on assets | 0.99% (stronger) | -0.25% |
| Loans ÷ deposits | 74.2% (stronger) | 84.3% |
| Uninsured deposits | 42.9% | 17.8% (stronger) |
| Offices | 166 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.1% | 5.3% |
Mechanics Bank has the higher TellerScore (65 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Bank leads on 5 and Sun Community Federal 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
- Holtville, CA