Credit union · NCUA insured
Seaboard Federal Credit Union
Top CarrotA $242.9M credit union headquartered in Bucksport, ME, with 13,367 members and 3 branches in Maine. Best rates: CDs 4.13% and savings 2.90% APY.
Seaboard Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#6 of 18 in Bangor, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Seaboard Federal Credit Union
- Headquarters
- 177 Main St, Bucksport, ME 04416
- NCUA charter
- 4118
Branches
3 branches in Maine
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Maine
3 branches
Bucksport area · 1
- BucksportMain office177 Main St, Bucksport, ME 04416Directions
Ellsworth area · 1
- Ellsworth200 Main St, Ellsworth, ME 04605Directions
Bangor area · 1
- Hermon2410 Route 2, Hermon, ME 04401Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.90% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.42% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.70% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $66 | $76 | — |
- CapitalNet worth ratio8.90%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.42%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.70%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$66Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Seaboard Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.