PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sea Comm

Massena, NY · Charter 15672

NCUA · 9 branches

Q2 2026

$777.3MAssets
$443.3MLoans
$651.4MShares
$139.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.42%, up 7 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.63% of loans (-12 bps YoY).
  • Capital: net worth / assets of 17.96%, up 110 bps from a year ago.
  • Funding: loans stand at 68.04% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.42%+7 bps YoY

Net Interest Margin (quarter, annualized)

3.85%+15 bps YoY

Efficiency Ratio (quarter, annualized)

69.59%+58 bps YoY

Net Worth / Assets

17.96%+110 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.58%1.51%1.43%1.42%+7 bps
Return on Equity8.04%8.93%8.51%8.04%7.92%-12 bps
Net Interest Margin3.71%3.85%3.84%3.87%3.85%+15 bps
Efficiency Ratio69.00%66.89%67.72%69.26%69.59%+58 bps
Growth
Asset Growth (YoY)-4.77%-5.07%-2.54%0.61%2.22%+699 bps
Loan Growth (YoY)-1.66%-0.75%0.44%1.58%3.55%+521 bps
Share Growth (YoY)-4.83%-5.07%-4.34%0.24%2.30%+713 bps
Asset Quality
Delinquent Loans / Loans0.76%0.68%0.85%0.56%0.63%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.86%17.66%17.72%17.73%17.96%+110 bps
Net Worth / Assets16.86%17.66%17.72%17.73%17.96%+110 bps
Liquidity & Funding
Loans / Shares67.22%69.88%69.25%66.85%68.04%+82 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps