Federal credit union · PITTSFIELD, Maine · NCUA charter #8936
Sebasticook Valley
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $186.5M
- Total assets
- 12,033
- Members
- 15.2%
- Net-worth ratio
Sebasticook Valley scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $186.5M; members 12,033; net-worth ratio 15.20%; health rank #2,953 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,953 of 4,374 health · 2025Q4Sebasticook Valley · health 78/100 · $186.5M · 2025Q4
- MEM 78/100
- RANK 15.2%
- PHOTO 0.70%
- BOOK 1.57%
- CHARTER $186.5M
- NCUSIF 12,033
- CAMELS #2,953/4,374
- HEALTH XCEL
- NW 8936
Call Report peers
Sebasticook Valley in the assets neighbourhood
Sebasticook Valley's $186.5M assets sit next to XCEL ($186.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Sebasticook Valley vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Sebasticook Valley - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #8936, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Sebasticook Valley vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 113.00% here, 72.20% peer average (+40.80 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Sebasticook Valley: in-state Call Report ranks
- In Maine, health place is #43 of 48 on the same NCUA-ratio sort used nationally.
- Maine assets place: #27 of 48.
- Membership ranks #26 of 48 among Maine CUs with a reported count (12,033 members).
In-state ordinals use the live credit_unions table for ME only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Sebasticook Valley: 2025Q4 → 2026Q1
Sebasticook Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.1% from $186.5M (2025Q4) to $182.6M (2026Q1).
- Net-worth ratio shifted +0.79 pp (14.41% → 15.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.20% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.8 pts
- Loan-to-Share Ratio 5.2 pts
Call Report ratios for Sebasticook Valley
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.20% | +3.09 pp |
| Delinquency Rate | 0.70% | -0.20 pp |
| Return on Assets | 1.57% | +0.95 pp |
| Member Growth | -2.32% | - |
| Loan-to-Share Ratio | 113.00% | +40.80 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Sebasticook Valley
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $182.6M | - |
| 2025Q4 | $186.5M | 12,033 |
| 2024Q4 | $175.9M | 12,319 |
| 2023Q4 | $166.3M | 12,148 |
Credit Union Details
- Charter Number
- 8936
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- PITTSFIELD
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Sebasticook Valley runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| SEBASTICOOK- PITTS (Main Office) | PITTSFIELD, ME |
| SEBASTICOOK-NEWPORT | NEWPORT, ME |
| Nokomis High School | newport, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
A look at other Maine credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Sebasticook Valley's nationwide photo peers by assets and by health score, excluding Maine charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($186.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Sebasticook Valley ranks #2,953 of 4,374 nationally on financial health and #43 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Saco Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Saco Valley
- Rates and health both vary by institution, not just by state -- see how Maine credit unions compare overall before assuming this one is typical. Maine state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Sebasticook Valley financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Sebasticook Valley carries a financial health score of 78/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,953 of 4,374; by total assets it ranks #1,326 of 4,374 nationally (same basis as /rankings/largest); and #27 of 48 within Maine. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 15.20% net worth ratio and a 0.70% delinquency rate.
How does Sebasticook Valley compare to other credit unions?
PlainCU's health composite puts Sebasticook Valley at 78/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Sebasticook Valley?
Sebasticook Valley operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Sebasticook Valley directly for the exact boundaries and application steps.
Is my money safe at Sebasticook Valley?
Federal credit unions like Sebasticook Valley are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Sebasticook Valley's net worth ratio of 15.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sebasticook Valley offer compared to banks?
Credit unions like Sebasticook Valley are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Sebasticook Valley directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.