Sebasticook Valley

PITTSFIELD, ME · 1 · Charter #8936 · www.svfcume.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$186.5M
85th percentile
Members
12,033
79th percentile
Total loans
$160.3M
97th percentile
Total shares
$129.3M
73th percentile

Profitability

Return on assets
1.72%
85th percentile
Net interest margin
3.88%
62th percentile
Efficiency ratio
46.61%
88th percentile
Non-interest income ratio
19.17%
60th percentile

Capital & Risk

Net worth ratio
14.41%
73th percentile
Delinquency rate
0.70%
51th percentile
Net charge-off rate
0.20%
66th percentile
Loan-to-share
123.97%
99th percentile

Growth

Member growth YoY
-2.32%
30th percentile
Asset growth YoY
6.01%
68th percentile
Loan growth YoY
3.37%
61th percentile
Share growth YoY
0.45%
27th percentile

Operations

Members / branch
4,011
70th percentile
Assets / member
$15,497
58th percentile
Field of membership penetration
2.72%
34th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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