Side-by-side · Q2 2026 data
Machias Savings Bank vs Maine Savings Federal Credit Union
Credit union
Maine Savings Federal Credit Union
Hampden, Maine · $100 million – $1 billion
Metric by metric
| Measure | Machias Savings Bank | Maine Savings Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 47 |
| Capital cushion | 71 (stronger) | 29 |
| Loan quality | 87 (stronger) | 44 |
| Earnings | 59 (stronger) | 46 |
| Funding & liquidity | 61 | 75 (stronger) |
| Problem-loan coverage | 94 (stronger) | 65 |
| Peer percentile | 70th | 4th |
| Total assets | $2.7B | $858.1M |
| Deposits / shares | $2.3B | $763.9M |
| Capital ratio | 12.12% (stronger) | 7.91% |
| Problem loans | 0.40% (stronger) | 1.69% |
| Net charge-offs | 0.04% (stronger) | 0.47% |
| Return on assets | 0.99% (stronger) | 0.65% |
| Loans ÷ deposits | 98.2% | 84.8% (stronger) |
| Uninsured deposits | 16.4% | 14.3% (stronger) |
| Offices | 16 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.7% | 20.1% |
Machias Savings Bank has the higher TellerScore (73 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Machias Savings Bank leads on 5 and Maine Savings Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bangor, ME
- Bar Harbor, ME
- Brewer, ME
- Ellsworth, ME
- Portland, ME