Side-by-side · Q2 2026 data
Community Bank, National Association vs Sea Comm Federal Credit Union
Metric by metric
| Measure | Community Bank, National Association | Sea Comm Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 89 (stronger) |
| Capital cushion | 29 | 100 (stronger) |
| Loan quality | 83 (stronger) | 79 |
| Earnings | 68 | 77 (stronger) |
| Funding & liquidity | 66 | 92 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 35th | 94th |
| Total assets | $17.4B | $777.3M |
| Deposits / shares | $14.9B | $651.4M |
| Capital ratio | 7.86% | 17.96% (stronger) |
| Problem loans | 0.50% (stronger) | 0.63% |
| Net charge-offs | 0.11% (stronger) | 0.25% |
| Return on assets | 1.19% | 1.42% (stronger) |
| Loans ÷ deposits | 75.3% | 68.0% (stronger) |
| Uninsured deposits | 31.5% | 5.5% (stronger) |
| Offices | 198 | 9 |
| CFPB complaints (3 yrs) | 106 | — |
| Complaints per $1B deposits | 7.1 | — |
| Mortgage denial rate (HMDA) | 18.9% | — |
Sea Comm Federal Credit Union has the higher TellerScore (89 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Community Bank, National Association leads on 2 and Sea Comm Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- South Burlington, VT
- Plattsburgh, NY
- Watertown, NY
- Ogdensburg, NY
- Essex Junction, VT
- Potsdam, NY
- Canton, NY
- Malone, NY
- Massena, NY