Side-by-side · Q2 2026 data
Seaboard Federal Credit Union vs Midcoast Federal Credit Union
Metric by metric
| Measure | Seaboard Federal Credit Union | Midcoast Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 66 (stronger) |
| Capital cushion | 39 | 61 (stronger) |
| Loan quality | 53 | 86 (stronger) |
| Earnings | 47 (stronger) | 32 |
| Funding & liquidity | 94 (stronger) | 69 |
| Problem-loan coverage | 81 | 94 (stronger) |
| Peer percentile | 14th | 37th |
| Total assets | $246.4M | $267.1M |
| Deposits / shares | $220.9M | $235.7M |
| Capital ratio | 8.90% | 11.11% (stronger) |
| Problem loans | 1.42% | 0.41% (stronger) |
| Net charge-offs | 0.22% (stronger) | 0.30% |
| Return on assets | 0.69% (stronger) | 0.31% |
| Loans ÷ deposits | 65.9% (stronger) | 91.2% |
| Uninsured deposits | 5.3% (stronger) | 5.5% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.4% | — |
Midcoast Federal Credit Union has the higher TellerScore (66 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Seaboard Federal Credit Union leads on 4 and Midcoast Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.