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Overview / Commentary

Sebasticook Valley Credit Union is headquartered in PITTSFIELD and is the 31st largest credit union in the state of Maine. It is also the 1,754th largest credit union in the nation. It was established in 1953 and as of March of 2014, it had grown to 24 employees and 10,493 members. Sebasticook Valley Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, attend school or worship in the towns of Pittsfield, Newport, Corinna, Burnham, Detroit, Dixmont, Etna, Hartland, St. Albans, Stetson, Palmyra, Plymouth, Cambridge, Dexter, Exeter, Garland, Harmony or Ripley. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Sebasticook Valley Credit Union has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Sebasticook Valley Credit Union had $793,000 in non-current loans and owned real-estate with $7.6 million in equity and loan loss allowances on hand to cover it. This gives Sebasticook Valley Credit Union a Texas Ratio of 10.44% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Sebasticook Valley Credit Union decreased dramatically from 17.25% as of March 31, 2013 to 10.44% as of March 31, 2014, resulting in a positive change of 39.48%.This indicates that the balance sheet and financial strength for Sebasticook Valley Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Sebasticook Valley Credit Union has increased its total deposits by $2.43 million, resulting in 3.48% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Sebasticook Valley Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Sebasticook Valley Credit Union has $80.34 million in assets with $7.6 million in equity, resulting in a capitalization level of 9.46%, which is average.

Institution Statistics

NCUA #8936
Year Chartered1953
Primary Regulator
Assets and Liabilities
Assets$80.34 million
Loans$67.17 million
Deposits$72.38 million
Equity Capital$7.34 million
Loan Loss Allowance$257,000
Unbacked Noncurrent Loans$531,000
Real Estate Owned$262,000
Historic Data - March 2013
Assets$76.61 million
Equity Capital$6.54 million
Loan Loss Allowance$261,000
Unbacked Noncurrent Loans$531,000
Real Estate Owned$153,000
Profit Margin - Quarterly
Net Interest Margin1.11%
Return on Assets1.19%
Return on Equity13.02%
Interest Income$859,000
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Sebasticook Valley Credit Union Savings Account Rates

0.15%--IRA Share Account
0.15%--Roth IRA Share Account
0.10%--Share Savings Account
0.10%--Club Account

Sebasticook Valley Credit Union Money Market Rates

0.30%$100k-Money Market

Sebasticook Valley Credit Union CD Rates

1.25%$500-48 Month Share Certificate
1.05%$500-36 Month Share Certificate
0.80%$500-24 Month Share Certificate
0.50%$500-18 Month Share Certificate
0.40%$500-12 Month Share Certificate
0.35%$500-6 Month Share Certificate
0.30%$500-3 Month Share Certificate

Sebasticook Valley Credit Union IRA Rates

1.25%$500-48 Month IRA Certificate
1.05%$500-36 Month IRA Certificate
0.80%$500-24 Month IRA Certificate
0.50%$500-18 Month IRA Certificate
0.40%$500-12 Month IRA Certificate
0.35%$500-6 Month IRA Certificate
0.30%$500-3 Month IRA Certificate

Sebasticook Valley Credit Union Locations
Branch Office87 moosehead trlNEWPORT, ME 04953
Branch Office266 Williams Rdnewport, ME 04953