Side-by-side · Q2 2026 data
Mechanics Cooperative Bank vs First Citizens' Federal Credit Union
Credit union
First Citizens' Federal Credit Union
Fairhaven, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Mechanics Cooperative Bank | First Citizens' Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 83 (stronger) |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 99 (stronger) | 74 |
| Earnings | 70 (stronger) | 57 |
| Funding & liquidity | 43 | 88 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 68th | 83rd |
| Total assets | $898.8M | $705.9M |
| Deposits / shares | $679.6M | $559.8M |
| Capital ratio | 12.38% | 20.19% (stronger) |
| Problem loans | 0.03% (stronger) | 0.77% |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 1.24% (stronger) | 0.91% |
| Loans ÷ deposits | 108.8% | 72.2% (stronger) |
| Uninsured deposits | 22.5% | 6.4% (stronger) |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | 8.6% |
First Citizens' Federal Credit Union has the higher TellerScore (83 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Cooperative Bank leads on 3 and First Citizens' Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.