The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (58 → 57).

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Maine

Yes. Seaboard Federal Credit Union is a federally insured credit union (NCUA charter #4118). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.3% of shares and deposits ($11.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.90%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Seaboard Federal Credit Union lists 3 offices in 3 cities. Most locations:

• Bucksport, ME (1)
• Ellsworth, ME (1)
• Hermon, ME (1)

All branch addresses and map

In 2025, Seaboard Federal Credit Union reported 197 home-loan applications under HMDA (LEI 549300043MOZCJ4RK371): 143 originated ($15,345,000 total), 54 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Seaboard Federal Credit Union

Type

Federal credit union

NCUA charter #

4118

RSSD ID

274874

Primary regulator

NCUA

Established

1940

Headquarters

Po Box G, Bucksport, ME 04416

Employees

38