Side-by-side · Q2 2026 data
Mechanics Bank vs Ashland Community Federal Credit Union
Credit union
Ashland Community Federal Credit Union
Ashland, Ohio · Under $100 million in assets
Metric by metric
| Measure | Mechanics Bank | Ashland Community Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 84 (stronger) |
| Capital cushion | 34 | 73 (stronger) |
| Loan quality | 86 | 97 (stronger) |
| Earnings | 49 | 79 (stronger) |
| Funding & liquidity | 67 | 79 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 20th | 75th |
| Total assets | $896.4M | $23.1M |
| Deposits / shares | $790.2M | $20.2M |
| Capital ratio | 8.44% | 12.29% (stronger) |
| Problem loans | 0.42% | 0.10% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 0.72% | 1.48% (stronger) |
| Loans ÷ deposits | 92.9% | 81.1% (stronger) |
| Uninsured deposits | 6.9% | 1.7% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | — |
Ashland Community Federal Credit Union has the higher TellerScore (84 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Bank leads on 1 and Ashland Community Federal Credit Union on 6. 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.