Federal credit union · MASSENA, New York · NCUA charter #15672
Sea Comm
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $756.7M
- Total assets
- 56,384
- Members
- 17.7%
- Net-worth ratio
Sea Comm scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $756.7M; members 56,384; net-worth ratio 17.73%; health rank #733 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#733 of 4,374 health · 2025Q4Sea Comm · health 92/100 · $756.7M · 2025Q4
- ASSETS 92/100
- MEM 17.7%
- RANK 0.85%
- PHOTO 0.97%
- BOOK $756.7M
- CHARTER 56,384
- NCUSIF #733/4,374
- CAMELS UNCLE
- HEALTH 15672
Call Report peers
Sea Comm in the assets neighbourhood
Sea Comm's $756.7M assets sit next to UNCLE ($756.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Sea Comm vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Sea Comm - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #15672. See our deposit-insurance coverage note.
Where Sea Comm diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +6.55 pp (17.73% vs 11.18%).
- Loan-to-Share Ratio trails the peer set - 69.25% here, 83.90% peer average (-14.65 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Sea Comm
- New York health ordinal: #36 of 272.
- Assets rank #28 of 272 inside New York ($756.7M reported).
- New York membership ordinal: #24 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Sea Comm
Sea Comm: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $756.7M (2025Q4) to $771.8M (2026Q1).
- Net-worth ratio shifted +0.01 pp (17.72% → 17.73%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.73% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.5 pts
- Return on Assets 15.0 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 14.3 pts
Call Report ratios for Sea Comm
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.73% | +6.55 pp |
| Delinquency Rate | 0.85% | -0.02 pp |
| Return on Assets | 0.97% | +0.47 pp |
| Member Growth | 1.83% | - |
| Loan-to-Share Ratio | 69.25% | -14.65 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Sea Comm
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $771.8M | - |
| 2025Q4 | $756.7M | 56,384 |
| 2024Q4 | $776.4M | 55,371 |
| 2023Q4 | $799.4M | 54,208 |
Credit Union Details
- Charter Number
- 15672
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- MASSENA
- Data Quarter
- 2025Q4
Branch Locations (9)
The NCUA branch filing lists 9 physical offices for Sea Comm, spread across 9 cities in 2 states.
| Office | City |
|---|---|
| 30 Stearns St. (Main Office) | Massena, NY |
| Branch - Canton | Canton, NY |
| Branch - Essex | Essex Junction, VT |
| Branch - Malone | Malone, NY |
| Branch - Ogdensburg | Ogdensburg, NY |
| Branch - Plattsburgh | Plattsburgh, NY |
| Branch - Potsdam | Potsdam, NY |
| Branch - South Burlington | South Burlington, VT |
| Branch - Watertown | Watertown, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Cross-state Call Report peers for Sea Comm
Cross-state asset and health neighbours for Sea Comm - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($756.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Sea Comm ranks #733 of 4,374 nationally on financial health and #36 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Reliant Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Reliant Community
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Sea Comm financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - Sea Comm's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #733 of 4,374; by total assets it ranks #579 of 4,374 nationally (same basis as /rankings/largest); and #28 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.73% net worth ratio and 0.85% delinquency rate are the key drivers.
How does Sea Comm compare to other credit unions?
PlainCU's health composite puts Sea Comm at 92/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Sea Comm?
Sea Comm operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Sea Comm directly for the exact boundaries and application steps.
Is my money safe at Sea Comm?
Federal credit unions like Sea Comm are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Sea Comm's net worth ratio of 17.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sea Comm offer compared to banks?
Credit unions like Sea Comm are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Sea Comm directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.