Side-by-side · Q2 2026 data
Bar Harbor Bank & Trust vs Sebasticook Valley Federal Credit Union
Credit union
Sebasticook Valley Federal Credit Union
Pittsfield, Maine · $100 million – $1 billion
Metric by metric
| Measure | Bar Harbor Bank & Trust | Sebasticook Valley Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 84 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 89 (stronger) | 69 |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 62 (stronger) | 50 |
| Problem-loan coverage | 94 (stronger) | 89 |
| Peer percentile | 70th | 86th |
| Total assets | $4.7B | $186.2M |
| Deposits / shares | $3.9B | $144.0M |
| Capital ratio | 10.49% | 15.41% (stronger) |
| Problem loans | 0.32% (stronger) | 0.92% |
| Net charge-offs | 0.19% (stronger) | 0.25% |
| Return on assets | 1.42% | 2.30% (stronger) |
| Loans ÷ deposits | 93.0% (stronger) | 112.0% |
| Uninsured deposits | 20.1% | 12.8% (stronger) |
| Offices | 60 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.5% | 1.4% |
Sebasticook Valley Federal Credit Union has the higher TellerScore (84 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bar Harbor Bank & Trust leads on 3 and Sebasticook Valley Federal Credit Union on 4. 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.
Where both have branches
- Newport, ME
- Pittsfield, ME