BlastPoint's Banking Scorecard
Mechanics Cooperative Bank
Community
Specialty: Commercial
MA
FDIC cert 26634
Taunton, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Mechanics Cooperative Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 37% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1% in Community
- - Credit Risk Growth: Bottom 3% in Community
- - Liquidity Strain: Bottom 49% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$862.2M
+3.0% YoY
+1.4% QoQ
|
-$529.2M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$723.0M
+2.7% YoY
+1.4% QoQ
|
-$252.4M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$701.1M
+7.4% YoY
+5.9% QoQ
|
-$463.5M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
1.25%
+41.6% YoY
-3.5% QoQ
|
+0.09% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
4.11%
+9.9% YoY
+0.3% QoQ
|
+0.45% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
57.17%
-11.9% YoY
+0.3% QoQ
|
-5.47% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
0.04%
+12.3% YoY
|
-0.59% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Top 11% in tier |
| Loan-to-Deposit Ratio ? |
103.12%
-4.4% YoY
-4.2% QoQ
|
+20.06% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.77%
+0.1% YoY
+0.4% QoQ
|
-5.28% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.03%
+12.0% YoY
|
-0.47% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Top 11% in tier |
| Tier 1 Capital Ratio ? |
15.30%
-7.0% YoY
-10.4% QoQ
|
+5.05% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.27%
+12.5% YoY
+31.6% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#137 of 371 · Top 37% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.04%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (3)
Credit Quality Pressure
risk
#11 of 808 · Bottom 1% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.04%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#23 of 642 · Bottom 3% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#252 of 513 · Bottom 49% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
103.12%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.30% · Tier avg: 10.24%
75
75th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.66%
66
66th pctile
Efficiency Ratio
Current: 57.17% · Tier avg: 62.63%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
51
51th pctile
Total Loans
Current: $723.0M · Tier avg: $975.5M
40
40th pctile
Total Assets
Current: $862.2M · Tier avg: $1.4B
38
38th pctile
Total Deposits
Current: $701.1M · Tier avg: $1.2B
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.77% · Tier avg: 21.05%
20
20th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
9
9th pctile
Loan-to-Deposit Ratio
Current: 103.12% · Tier avg: 83.06%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 103.12% · Tier avg: 83.06%
20
20th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.77% · Tier avg: 21.05%
38
38th pctile
Total Deposits
Current: $701.1M · Tier avg: $1.2B
40
40th pctile
Total Assets
Current: $862.2M · Tier avg: $1.4B
51
51th pctile
Total Loans
Current: $723.0M · Tier avg: $975.5M
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
66
66th pctile
Efficiency Ratio
Current: 57.17% · Tier avg: 62.63%
75
75th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.66%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.30% · Tier avg: 10.24%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%