Side-by-side · Q2 2026 data
Central Maine Federal Credit Union vs Sebasticook Valley Federal Credit Union
Credit union
Sebasticook Valley Federal Credit Union
Pittsfield, Maine · $100 million – $1 billion
Metric by metric
| Measure | Central Maine Federal Credit Union | Sebasticook Valley Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 84 (stronger) |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 78 (stronger) | 69 |
| Earnings | 37 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 50 |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 80th | 86th |
| Total assets | $145.5M | $186.2M |
| Deposits / shares | $124.1M | $144.0M |
| Capital ratio | 14.66% | 15.41% (stronger) |
| Problem loans | 0.66% (stronger) | 0.92% |
| Net charge-offs | 0.10% (stronger) | 0.25% |
| Return on assets | 0.41% | 2.30% (stronger) |
| Loans ÷ deposits | 37.4% (stronger) | 112.0% |
| Uninsured deposits | 9.2% (stronger) | 12.8% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.4% |
Sebasticook Valley Federal Credit Union has the higher TellerScore (84 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Central Maine Federal Credit Union leads on 4 and Sebasticook Valley Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.