Side-by-side · Q2 2026 data
Mechanics Bank vs Pillar Credit Union
Metric by metric
| Measure | Mechanics Bank | Pillar Credit Union |
|---|---|---|
| TellerScore | 61 | 76 (stronger) |
| Capital cushion | 34 | 66 (stronger) |
| Loan quality | 86 (stronger) | 80 |
| Earnings | 49 | 67 (stronger) |
| Funding & liquidity | 67 | 92 (stronger) |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 20th | 68th |
| Total assets | $896.4M | $134.8M |
| Deposits / shares | $790.2M | $120.4M |
| Capital ratio | 8.44% | 11.64% (stronger) |
| Problem loans | 0.42% (stronger) | 0.60% |
| Net charge-offs | 0.00% (stronger) | 0.22% |
| Return on assets | 0.72% | 1.17% (stronger) |
| Loans ÷ deposits | 92.9% | 67.9% (stronger) |
| Uninsured deposits | 6.9% | 5.1% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | — |
Pillar Credit Union has the higher TellerScore (76 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Bank leads on 2 and Pillar Credit Union on 5. 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.