Side-by-side · Q2 2026 data
Mechanics Cooperative Bank vs Somerset Federal Credit Union
Metric by metric
| Measure | Mechanics Cooperative Bank | Somerset Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 78 (stronger) |
| Capital cushion | 74 | 75 (stronger) |
| Loan quality | 99 (stronger) | 94 |
| Earnings | 70 (stronger) | 48 |
| Funding & liquidity | 43 | 85 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 68th | 74th |
| Total assets | $898.8M | $263.3M |
| Deposits / shares | $679.6M | $232.8M |
| Capital ratio | 12.38% | 12.51% (stronger) |
| Problem loans | 0.03% (stronger) | 0.19% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.24% (stronger) | 0.69% |
| Loans ÷ deposits | 108.8% | 74.8% (stronger) |
| Uninsured deposits | 22.5% | 8.1% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | 13.4% |
Somerset Federal Credit Union has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Cooperative Bank leads on 2 and Somerset Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.