Side-by-side · Q2 2026 data
Machias Savings Bank vs Seaboard Federal Credit Union
Metric by metric
| Measure | Machias Savings Bank | Seaboard Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 57 |
| Capital cushion | 71 (stronger) | 39 |
| Loan quality | 87 (stronger) | 53 |
| Earnings | 59 (stronger) | 47 |
| Funding & liquidity | 61 | 94 (stronger) |
| Problem-loan coverage | 94 (stronger) | 81 |
| Peer percentile | 70th | 14th |
| Total assets | $2.7B | $246.4M |
| Deposits / shares | $2.3B | $220.9M |
| Capital ratio | 12.12% (stronger) | 8.90% |
| Problem loans | 0.40% (stronger) | 1.42% |
| Net charge-offs | 0.04% (stronger) | 0.22% |
| Return on assets | 0.99% (stronger) | 0.69% |
| Loans ÷ deposits | 98.2% | 65.9% (stronger) |
| Uninsured deposits | 16.4% | 5.3% (stronger) |
| Offices | 16 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.7% | 27.4% |
Machias Savings Bank has the higher TellerScore (73 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Machias Savings Bank leads on 5 and Seaboard Federal 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.