Sea Comm
Massena, NY · Charter 15672 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 9 branches
Q2 2026
$777.3MAssets
$443.3MLoans
$651.4MShares
$139.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 81% of credit unions under $1B in assets in NY (rank 11 of 59).
- Widest gap: return on equity trails 51% of credit unions under $1B in assets in NY (rank 30 of 59).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.42%
Rank 14 of 59
Net Interest Margin
3.85%
Rank 22 of 59
Efficiency Ratio
69.59%
Rank 22 of 59
Equity / Assets
17.96%
Rank 11 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.42% | 0.28% | 1.01% | 1.42% | Beats 76% | 14 / 59 | |
| Return on Equity | 7.92% | 2.31% | 7.92% | 10.52% | Beats 49% | 30 / 59 | |
| Net Interest Margin | 3.85% | 3.24% | 3.66% | 4.04% | Beats 63% | 22 / 59 | |
| Efficiency Ratio | 69.59% | 63.53% | 74.15% | 82.44% | Beats 64% | 22 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.32% | 0.68% | 1.20% | Beats 56% | 27 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.96% | 10.94% | 13.05% | 16.06% | Beats 81% | 11 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.96% | 10.94% | 13.05% | 16.06% | Beats 81% | 11 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 68.04% | 40.49% | 57.59% | 78.86% | 66th pctl | 20 / 59 | |
| Loans / Assets | 57.02% | 33.06% | 50.92% | 63.03% | 64th pctl | 21 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |