Side-by-side · Q2 2026 data
Skowhegan Savings Bank vs Capital Area Federal Credit Union
Credit union
Capital Area Federal Credit Union
Augusta, Maine · Under $100 million in assets
Metric by metric
| Measure | Skowhegan Savings Bank | Capital Area Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 86 (stronger) | 80 |
| Earnings | 83 (stronger) | 73 |
| Funding & liquidity | 66 | 76 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 92nd | 80th |
| Total assets | $855.0M | $71.4M |
| Deposits / shares | $715.3M | $57.7M |
| Capital ratio | 15.81% | 17.65% (stronger) |
| Problem loans | 0.42% (stronger) | 0.59% |
| Net charge-offs | -0.02% | -0.16% (stronger) |
| Return on assets | 1.58% (stronger) | 1.33% |
| Loans ÷ deposits | 85.4% | 84.6% (stronger) |
| Uninsured deposits | 22.5% | 1.9% (stronger) |
| Offices | 12 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Skowhegan Savings Bank has the higher TellerScore (88 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Skowhegan Savings Bank leads on 3 and Capital Area Federal Credit Union on 4. 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.