Side-by-side · Q2 2026 data
Sebasticook Valley Federal Credit Union vs Franklin-Somerset Federal Credit Union
Credit union
Sebasticook Valley Federal Credit Union
Pittsfield, Maine · $100 million – $1 billion
Metric by metric
| Measure | Sebasticook Valley Federal Credit Union | Franklin-Somerset Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 69 | 75 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 86th | 80th |
| Total assets | $186.2M | $149.3M |
| Deposits / shares | $144.0M | $129.3M |
| Capital ratio | 15.41% (stronger) | 12.92% |
| Problem loans | 0.92% | 0.75% (stronger) |
| Net charge-offs | 0.25% (stronger) | 0.40% |
| Return on assets | 2.30% (stronger) | 1.20% |
| Loans ÷ deposits | 112.0% | 50.6% (stronger) |
| Uninsured deposits | 12.8% | 5.1% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.4% | — |
Sebasticook Valley Federal Credit Union has the higher TellerScore (84 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Sebasticook Valley Federal Credit Union leads on 4 and Franklin-Somerset Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.