Side-by-side · Q2 2026 data
Mechanics Cooperative Bank vs Santo Christo Federal Credit Union
Credit union
Santo Christo Federal Credit Union
Fall River, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Mechanics Cooperative Bank | Santo Christo Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 72 |
| Capital cushion | 74 (stronger) | 41 |
| Loan quality | 99 (stronger) | 97 |
| Earnings | 70 (stronger) | 58 |
| Funding & liquidity | 43 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 68th | 44th |
| Total assets | $898.8M | $18.5M |
| Deposits / shares | $679.6M | $17.5M |
| Capital ratio | 12.38% (stronger) | 9.10% |
| Problem loans | 0.03% (stronger) | 0.08% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.24% (stronger) | 0.94% |
| Loans ÷ deposits | 108.8% | 66.4% (stronger) |
| Uninsured deposits | 22.5% | 2.6% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | — |
Mechanics Cooperative Bank has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Cooperative Bank leads on 4 and Santo Christo Federal Credit Union on 3. 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.