Side-by-side · Q2 2026 data
Winthrop Area Federal Credit Union vs Capital Area Federal Credit Union
Credit union
Capital Area Federal Credit Union
Augusta, Maine · Under $100 million in assets
Metric by metric
| Measure | Winthrop Area Federal Credit Union | Capital Area Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 86 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 97 (stronger) | 80 |
| Earnings | 51 | 73 (stronger) |
| Funding & liquidity | 97 (stronger) | 76 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 74th | 80th |
| Total assets | $106.7M | $71.4M |
| Deposits / shares | $94.2M | $57.7M |
| Capital ratio | 11.43% | 17.65% (stronger) |
| Problem loans | 0.10% (stronger) | 0.59% |
| Net charge-offs | 0.07% | -0.16% (stronger) |
| Return on assets | 0.78% | 1.33% (stronger) |
| Loans ÷ deposits | 63.5% (stronger) | 84.6% |
| Uninsured deposits | 7.2% | 1.9% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Capital Area Federal Credit Union has the higher TellerScore (86 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Winthrop Area Federal Credit Union leads on 2 and Capital Area Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.