Sebasticook Valley
Pittsfield, ME · Charter 8936 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$186.2MAssets
$161.4MLoans
$144.0MShares
$28.7MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 97% of credit unions under $1B in assets (rank 43 of 1683).
- Widest gap: nonperforming loans / loans trails 64% of credit unions under $1B in assets (rank 1070 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.30%
Rank 43 of 1,683
Net Interest Margin
4.88%
Rank 175 of 1,683
Efficiency Ratio
57.59%
Rank 158 of 1,682
Equity / Assets
15.41%
Rank 510 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.30% | 0.35% | 0.74% | 1.18% | Beats 97% | 43 / 1,683 | |
| Return on Equity | 14.90% | 2.67% | 5.89% | 8.74% | Beats 97% | 49 / 1,681 | |
| Net Interest Margin | 4.88% | 3.31% | 3.82% | 4.32% | Beats 90% | 175 / 1,683 | |
| Efficiency Ratio | 57.59% | 68.91% | 78.20% | 86.93% | Beats 91% | 158 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.26% | 0.65% | 1.29% | Beats 36% | 1,070 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.41% | 10.44% | 12.89% | 16.53% | Beats 70% | 510 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.41% | 10.44% | 12.89% | 16.53% | Beats 70% | 510 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 112.03% | 52.61% | 69.38% | 83.50% | 99th pctl | 15 / 1,683 | |
| Loans / Assets | 86.64% | 44.71% | 59.18% | 70.72% | 98th pctl | 27 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |