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
Call Report peers
Sebasticook Valley in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Sebasticook Valley sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Sebasticook Valley vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 113.00% here, 72.20% peer average (+40.80 pp).
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).
- One place up in Maine, Great Falls Regional (#42) scores 79/100, 1 point higher; one place down, TRUCHOICE (#44) ties at 78/100.
Sebasticook Valley: 2025Q4 → 2026Q1
Sebasticook Valley: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.1% from $186.5M (2025Q4) to $182.6M (2026Q1).
- Net-worth ratio shifted +0.79 pp (14.41% → 15.20%).
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
Sebasticook Valley gives up 22 points in total. Member Growth costs the most, 10.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Sebasticook Valley financially healthy?
Sebasticook Valley has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,953 of 4,374 nationally on health and #43 of 48 in Maine. Its net worth ratio is 15.20% and its delinquency rate 0.70%.
How does Sebasticook Valley compare to other credit unions?
Sebasticook Valley scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (113.00% vs 72.20%).
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?
Sebasticook Valley is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.