Side-by-side · Q2 2026 data
Saco & Biddeford Savings Institution vs Capital Area Federal Credit Union
Credit union
Capital Area Federal Credit Union
Augusta, Maine · Under $100 million in assets
Metric by metric
| Measure | Saco & Biddeford Savings Institution | Capital Area Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 86 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 95 (stronger) | 80 |
| Earnings | 30 | 73 (stronger) |
| Funding & liquidity | 41 | 76 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 24th | 80th |
| Total assets | $1.5B | $71.4M |
| Deposits / shares | $1.0B | $57.7M |
| Capital ratio | 10.02% | 17.65% (stronger) |
| Problem loans | 0.14% (stronger) | 0.59% |
| Net charge-offs | 0.00% | -0.16% (stronger) |
| Return on assets | 0.24% | 1.33% (stronger) |
| Loans ÷ deposits | 118.7% | 84.6% (stronger) |
| Uninsured deposits | 23.6% | 1.9% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | — |
Capital Area Federal Credit Union has the higher TellerScore (86 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Saco & Biddeford Savings Institution leads on 1 and Capital Area Federal Credit Union on 6. 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.