Side-by-side · Q2 2026 data
Cumberland County Federal Credit Union vs Capital Area Federal Credit Union
Credit union
Cumberland County Federal Credit Union
Falmouth, Maine · $100 million – $1 billion
Credit union
Capital Area Federal Credit Union
Augusta, Maine · Under $100 million in assets
Metric by metric
| Measure | Cumberland County Federal Credit Union | Capital Area Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 86 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 70 | 80 (stronger) |
| Earnings | 60 | 73 (stronger) |
| Funding & liquidity | 97 (stronger) | 76 |
| Problem-loan coverage | 90 | 95 (stronger) |
| Peer percentile | 45th | 80th |
| Total assets | $494.0M | $71.4M |
| Deposits / shares | $440.9M | $57.7M |
| Capital ratio | 10.10% | 17.65% (stronger) |
| Problem loans | 0.90% | 0.59% (stronger) |
| Net charge-offs | 0.14% | -0.16% (stronger) |
| Return on assets | 1.01% | 1.33% (stronger) |
| Loans ÷ deposits | 63.3% (stronger) | 84.6% |
| Uninsured deposits | 9.2% | 1.9% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Capital Area Federal Credit Union has the higher TellerScore (86 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Cumberland County Federal Credit Union leads on 1 and Capital Area Federal Credit Union on 6. 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.