Side-by-side · Q2 2026 data
Seaboard Federal Credit Union vs Maine Highlands Federal Credit Union
Metric by metric
| Measure | Seaboard Federal Credit Union | Maine Highlands Federal Credit Union |
|---|---|---|
| TellerScore | 57 (stronger) | 56 |
| Capital cushion | 39 | 59 (stronger) |
| Loan quality | 53 (stronger) | 23 |
| Earnings | 47 | 60 (stronger) |
| Funding & liquidity | 94 (stronger) | 91 |
| Problem-loan coverage | 81 (stronger) | 73 |
| Peer percentile | 14th | 13th |
| Total assets | $246.4M | $230.1M |
| Deposits / shares | $220.9M | $203.2M |
| Capital ratio | 8.90% | 10.93% (stronger) |
| Problem loans | 1.42% (stronger) | 2.32% |
| Net charge-offs | 0.22% | 0.19% (stronger) |
| Return on assets | 0.69% | 1.00% (stronger) |
| Loans ÷ deposits | 65.9% (stronger) | 69.1% |
| Uninsured deposits | 5.3% (stronger) | 5.5% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.4% | 3.6% |
Seaboard Federal Credit Union has the higher TellerScore (57 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Seaboard Federal Credit Union leads on 4 and Maine Highlands Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.