Side-by-side · Q2 2026 data
Kennebec Savings Bank vs Sebasticook Valley Federal Credit Union
Credit union
Sebasticook Valley Federal Credit Union
Pittsfield, Maine · $100 million – $1 billion
Metric by metric
| Measure | Kennebec Savings Bank | Sebasticook Valley Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 84 (stronger) |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 85 (stronger) | 69 |
| Earnings | 75 | 100 (stronger) |
| Funding & liquidity | 43 | 50 (stronger) |
| Problem-loan coverage | 94 (stronger) | 89 |
| Peer percentile | 88th | 86th |
| Total assets | $1.9B | $186.2M |
| Deposits / shares | $1.4B | $144.0M |
| Capital ratio | 13.96% | 15.41% (stronger) |
| Problem loans | 0.46% (stronger) | 0.92% |
| Net charge-offs | -0.00% (stronger) | 0.25% |
| Return on assets | 1.37% | 2.30% (stronger) |
| Loans ÷ deposits | 110.8% (stronger) | 112.0% |
| Uninsured deposits | 21.9% | 12.8% (stronger) |
| Offices | 7 | 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 79). On the 7 directional measures above (where higher or lower is clearly better), Kennebec Savings Bank 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.