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
Call Report peers
Sea Comm in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Sea Comm sits in 90-94 with 747 others.
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
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).
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.
- One place up in New York, First Frontier (#35) ties at 92/100; one place down, Syracuse Fire Department Employees (#37) ties at 92/100.
Quarter path for Sea Comm
Sea Comm: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $756.7M (2025Q4) to $771.8M (2026Q1).
- Net-worth ratio shifted +0.01 pp (17.72% → 17.73%).
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
Sea Comm gives up 8 points in total. Member Growth costs the most, 3.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Sea Comm financially healthy?
On its 2025Q4 NCUA 5300 filing, Sea Comm scores 92/100 (Excellent), with a 17.73% net worth ratio and 0.85% of loans delinquent. It ranks #733 of 4,374 nationally on health and #36 of 272 in New York.
How does Sea Comm compare to other credit unions?
Sea Comm scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (17.73% vs 11.18%). Its widest shortfall is loan-to-share ratio (69.25% vs 83.90%).
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?
Sea Comm is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.