Side-by-side · Q2 2026 data
Kennebec Savings Bank vs Otis Federal Credit Union
Metric by metric
| Measure | Kennebec Savings Bank | Otis Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 80 (stronger) |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 85 (stronger) | 48 |
| Earnings | 75 (stronger) | 70 |
| Funding & liquidity | 43 | 100 (stronger) |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 88th | 78th |
| Total assets | $1.9B | $300.3M |
| Deposits / shares | $1.4B | $250.1M |
| Capital ratio | 13.96% | 16.12% (stronger) |
| Problem loans | 0.46% (stronger) | 1.56% |
| Net charge-offs | -0.00% (stronger) | 0.32% |
| Return on assets | 1.37% (stronger) | 1.26% |
| Loans ÷ deposits | 110.8% | 54.8% (stronger) |
| Uninsured deposits | 21.9% | 8.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Otis Federal Credit Union has the higher TellerScore (80 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Kennebec Savings Bank leads on 3 and Otis 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.