Side-by-side · Q2 2026 data
Carthage Savings and Loan, National Association vs Sea Comm Federal Credit Union
Bank
Carthage Savings and Loan, National Association
Carthage, New York · $100 million – $1 billion
Metric by metric
| Measure | Carthage Savings and Loan, National Association | Sea Comm Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 89 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 89 (stronger) | 79 |
| Earnings | 58 | 77 (stronger) |
| Funding & liquidity | 66 | 92 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 68th | 94th |
| Total assets | $312.1M | $777.3M |
| Deposits / shares | $257.4M | $651.4M |
| Capital ratio | 12.86% | 17.96% (stronger) |
| Problem loans | 0.32% (stronger) | 0.63% |
| Net charge-offs | 0.01% (stronger) | 0.25% |
| Return on assets | 0.96% | 1.42% (stronger) |
| Loans ÷ deposits | 91.6% | 68.0% (stronger) |
| Uninsured deposits | 17.4% | 5.5% (stronger) |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.6% | — |
Sea Comm Federal Credit Union has the higher TellerScore (89 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Carthage Savings and Loan, National Association leads on 2 and Sea Comm Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.