Side-by-side · Q2 2026 data
Massena Savings and Loan vs Sea Comm Federal Credit Union
Metric by metric
| Measure | Massena Savings and Loan | Sea Comm Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 57 | 79 (stronger) |
| Earnings | 63 | 77 (stronger) |
| Funding & liquidity | 50 | 92 (stronger) |
| Problem-loan coverage | 83 | 96 (stronger) |
| Peer percentile | 53rd | 94th |
| Total assets | $199.9M | $777.3M |
| Deposits / shares | $148.2M | $651.4M |
| Capital ratio | 15.15% | 17.96% (stronger) |
| Problem loans | 1.30% | 0.63% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.25% |
| Return on assets | 1.09% | 1.42% (stronger) |
| Loans ÷ deposits | 121.7% | 68.0% (stronger) |
| Uninsured deposits | 12.8% | 5.5% (stronger) |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sea Comm Federal Credit Union has the higher TellerScore (89 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Massena Savings and Loan leads on 1 and Sea Comm Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Massena, NY