Side-by-side · Q2 2026 data
GS&L Municipal Bank vs Sea Comm Federal Credit Union
Metric by metric
| Measure | GS&L Municipal Bank | Sea Comm Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 89 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 94 (stronger) | 77 |
| Funding & liquidity | 53 | 92 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 92nd | 94th |
| Total assets | $31.6M | $777.3M |
| Deposits / shares | $16.0M | $651.4M |
| Capital ratio | 44.48% (stronger) | 17.96% |
| Problem loans | 0.00% (stronger) | 0.63% |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 1.85% (stronger) | 1.42% |
| Loans ÷ deposits | 0.0% (stronger) | 68.0% |
| Uninsured deposits | 57.2% | 5.5% (stronger) |
| Offices | 4 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
GS&L Municipal Bank has the higher TellerScore (92 vs 89). On the 7 directional measures above (where higher or lower is clearly better), GS&L Municipal Bank leads on 6 and Sea Comm Federal Credit Union on 1. 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.