Side-by-side · Q2 2026 data
Mechanics Cooperative Bank vs Fall River Municipal Credit Union
Credit union
Fall River Municipal Credit Union
Fall River, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Mechanics Cooperative Bank | Fall River Municipal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 62 |
| Capital cushion | 74 (stronger) | 45 |
| Loan quality | 99 (stronger) | 84 |
| Earnings | 70 (stronger) | 29 |
| Funding & liquidity | 43 | 82 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 68th | 26th |
| Total assets | $898.8M | $316.5M |
| Deposits / shares | $679.6M | $241.6M |
| Capital ratio | 12.38% (stronger) | 9.49% |
| Problem loans | 0.03% (stronger) | 0.47% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.24% (stronger) | 0.21% |
| Loans ÷ deposits | 108.8% | 78.0% (stronger) |
| Uninsured deposits | 22.5% | 9.8% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | 21.8% |
Mechanics Cooperative Bank has the higher TellerScore (77 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Cooperative Bank leads on 5 and Fall River Municipal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.