Side-by-side · Q2 2026 data
Capital Area Federal Credit Union vs Maine State Credit Union
Credit union
Capital Area Federal Credit Union
Augusta, Maine · Under $100 million in assets
Metric by metric
| Measure | Capital Area Federal Credit Union | Maine State Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 80 (stronger) | 74 |
| Earnings | 73 (stronger) | 31 |
| Funding & liquidity | 76 (stronger) | 73 |
| Problem-loan coverage | 95 (stronger) | 88 |
| Peer percentile | 80th | 19th |
| Total assets | $71.4M | $805.9M |
| Deposits / shares | $57.7M | $696.5M |
| Capital ratio | 17.65% (stronger) | 9.78% |
| Problem loans | 0.59% (stronger) | 0.79% |
| Net charge-offs | -0.16% (stronger) | 0.47% |
| Return on assets | 1.33% (stronger) | 0.26% |
| Loans ÷ deposits | 84.6% (stronger) | 87.6% |
| Uninsured deposits | 1.9% (stronger) | 12.3% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.9% |
Capital Area Federal Credit Union has the higher TellerScore (86 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Capital Area Federal Credit Union leads on 7 and Maine State Credit Union on 0. 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.