Side-by-side · Q2 2026 data
Machias Savings Bank vs Downeast Credit Union
Metric by metric
| Measure | Machias Savings Bank | Downeast Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 54 |
| Capital cushion | 71 (stronger) | 38 |
| Loan quality | 87 (stronger) | 68 |
| Earnings | 59 (stronger) | 39 |
| Funding & liquidity | 61 | 66 (stronger) |
| Problem-loan coverage | 94 (stronger) | 80 |
| Peer percentile | 70th | 10th |
| Total assets | $2.7B | $330.4M |
| Deposits / shares | $2.3B | $297.3M |
| Capital ratio | 12.12% (stronger) | 8.85% |
| Problem loans | 0.40% (stronger) | 0.95% |
| Net charge-offs | 0.04% (stronger) | 0.31% |
| Return on assets | 0.99% (stronger) | 0.48% |
| Loans ÷ deposits | 98.2% | 94.2% (stronger) |
| Uninsured deposits | 16.4% | 7.8% (stronger) |
| Offices | 16 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.7% | 34.2% |
Machias Savings Bank has the higher TellerScore (73 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Machias Savings Bank leads on 5 and Downeast Credit Union on 2. 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.
Where both have branches
- Brewer, ME
- Calais, ME
- Machias, ME