Side-by-side · Q2 2026 data
Machias Savings Bank vs Lincoln Maine Federal Credit Union
Metric by metric
| Measure | Machias Savings Bank | Lincoln Maine Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 71 | 71 |
| Loan quality | 87 (stronger) | 64 |
| Earnings | 59 | 99 (stronger) |
| Funding & liquidity | 61 | 79 (stronger) |
| Problem-loan coverage | 94 (stronger) | 87 |
| Peer percentile | 70th | 74th |
| Total assets | $2.7B | $162.8M |
| Deposits / shares | $2.3B | $142.6M |
| Capital ratio | 12.12% (stronger) | 12.11% |
| Problem loans | 0.40% (stronger) | 1.07% |
| Net charge-offs | 0.04% (stronger) | 0.08% |
| Return on assets | 0.99% | 1.97% (stronger) |
| Loans ÷ deposits | 98.2% | 81.7% (stronger) |
| Uninsured deposits | 16.4% | 7.9% (stronger) |
| Offices | 16 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.7% | 15.9% |
Lincoln Maine Federal Credit Union has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Machias Savings Bank leads on 3 and Lincoln Maine 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.
Where both have branches
- Lincoln, ME