Sea Comm Federal Credit Union
Total assets
$771.8M
▲ +0.6% YoY
Shares & deposits
$643.8M
▲ +0.2% YoY
Loans
$430.3M
▲ +1.6% YoY
Members
56,628
▲ +1.9% YoY
ROA (annualized)
1.43%
peers 0.62%
ROE (annualized)
8.04%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.8% | -4.1 pts |
| Share growth (YoY) | +0.2% | +4.3% | -4.1 pts |
| Loan growth (YoY) | +1.6% | +4.3% | -2.7 pts |
| ROA | 1.43% | 0.62% | +0.8 pts |
| ROE | 8.0% | 5.9% | +2.1 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
Profile
- Established
- 1963
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 30 Stearns Street, Massena, NY, 13662
- NCUA charter #
- 15672
- RSSD ID
- 191887
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $771.8M | $643.8M | $430.3M | $136.8M | $2.8M | 1.43% | 3.87% | 0.56% | 56,628 |
| Q4 2025 | $756.7M | $625.4M | $433.1M | $134.1M | $11.4M | 1.51% | 3.84% | 0.85% | 56,384 |
| Q3 2025 | $747.2M | $620.6M | $433.7M | $131.9M | $8.8M | 1.58% | 3.85% | 0.68% | 56,241 |
| Q2 2025 | $760.4M | $636.8M | $428.1M | $128.2M | $5.2M | 1.36% | 3.71% | 0.76% | 55,870 |
| Q1 2025 | $767.1M | $642.2M | $423.6M | $125.3M | $2.2M | 1.16% | 3.59% | 0.74% | 55,553 |
| Q4 2024 | $776.4M | $653.8M | $431.2M | $123.1M | $7.4M | 0.95% | 3.21% | 0.77% | 55,371 |
| Q3 2024 | $787.1M | $653.7M | $437.0M | $121.4M | $5.3M | 0.89% | 3.12% | 0.63% | 55,187 |
| Q2 2024 | $798.5M | $669.1M | $435.3M | $119.5M | $3.3M | 0.84% | 3.04% | 0.69% | 54,857 |
Loan mix (Q1 2026): real estate $123.0M · commercial $84.2M · consumer $209.3M · securities $238.4M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.62% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 5.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.48% | 78th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 78.3% | 20th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Reliant Community Federal Credit UnionSodus, NY · $765.2M
- Heritage Financial Federal Credit UnionMiddletown, NY · $801.8M
- Cornerstone Community Federal Credit UnionLockport, NY · $725.9M
- First Heritage Federal Credit UnionCorning, NY · $838.4M
- Northern Credit UnionWatertown, NY · $682.1M
- N C P D Federal Credit UnionPlainview, NY · $916.0M
Selling to Sea Comm Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.