Side-by-side · Q2 2026 data
Winthrop Area Federal Credit Union vs Central Maine Federal Credit Union
Metric by metric
| Measure | Winthrop Area Federal Credit Union | Central Maine Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 81 (stronger) |
| Capital cushion | 64 | 97 (stronger) |
| Loan quality | 97 (stronger) | 78 |
| Earnings | 51 (stronger) | 37 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 74th | 80th |
| Total assets | $106.7M | $145.5M |
| Deposits / shares | $94.2M | $124.1M |
| Capital ratio | 11.43% | 14.66% (stronger) |
| Problem loans | 0.10% (stronger) | 0.66% |
| Net charge-offs | 0.07% (stronger) | 0.10% |
| Return on assets | 0.78% (stronger) | 0.41% |
| Loans ÷ deposits | 63.5% | 37.4% (stronger) |
| Uninsured deposits | 7.2% (stronger) | 9.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Maine Federal Credit Union has the higher TellerScore (81 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Winthrop Area Federal Credit Union leads on 4 and Central Maine Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.