Side-by-side · Q2 2026 data
KeyBank National Association vs Sea Comm Federal Credit Union
Metric by metric
| Measure | KeyBank National Association | Sea Comm Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 89 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 71 | 79 (stronger) |
| Earnings | 71 | 77 (stronger) |
| Funding & liquidity | 50 | 92 (stronger) |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 61st | 94th |
| Total assets | $188.6B | $777.3M |
| Deposits / shares | $158.5B | $651.4M |
| Capital ratio | 9.92% | 17.96% (stronger) |
| Problem loans | 0.86% | 0.63% (stronger) |
| Net charge-offs | 0.39% | 0.25% (stronger) |
| Return on assets | 1.28% | 1.42% (stronger) |
| Loans ÷ deposits | 69.6% | 68.0% (stronger) |
| Uninsured deposits | 51.8% | 5.5% (stronger) |
| Offices | 939 | 9 |
| CFPB complaints (3 yrs) | 2,295 | — |
| Complaints per $1B deposits | 14.5 | — |
| Mortgage denial rate (HMDA) | 32.8% | — |
Sea Comm Federal Credit Union has the higher TellerScore (89 vs 63). On the 7 directional measures above (where higher or lower is clearly better), KeyBank National Association leads on 0 and Sea Comm Federal Credit Union on 7. 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
- Watertown, NY
- Plattsburgh, NY
- South Burlington, VT
- Malone, NY
- Essex Junction, VT
- Potsdam, NY
- Massena, NY
- Ogdensburg, NY