Side-by-side · Q2 2026 data
Maine Savings Federal Credit Union vs University Credit Union
Credit union
Maine Savings Federal Credit Union
Hampden, Maine · $100 million – $1 billion
Metric by metric
| Measure | Maine Savings Federal Credit Union | University Credit Union |
|---|---|---|
| TellerScore | 47 | 60 (stronger) |
| Capital cushion | 29 | 44 (stronger) |
| Loan quality | 44 | 80 (stronger) |
| Earnings | 46 (stronger) | 42 |
| Funding & liquidity | 75 (stronger) | 60 |
| Problem-loan coverage | 65 | 90 (stronger) |
| Peer percentile | 4th | 21st |
| Total assets | $858.1M | $538.5M |
| Deposits / shares | $763.9M | $409.3M |
| Capital ratio | 7.91% | 9.37% (stronger) |
| Problem loans | 1.69% | 0.61% (stronger) |
| Net charge-offs | 0.47% | 0.17% (stronger) |
| Return on assets | 0.65% (stronger) | 0.54% |
| Loans ÷ deposits | 84.8% (stronger) | 100.1% |
| Uninsured deposits | 14.3% | 3.6% (stronger) |
| Offices | 12 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.1% | — |
University Credit Union has the higher TellerScore (60 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Maine Savings Federal Credit Union leads on 2 and University Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.