Side-by-side · Q2 2026 data
NBT Bank, National Association vs Sea Comm Federal Credit Union
Metric by metric
| Measure | NBT Bank, National Association | Sea Comm Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 89 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 82 (stronger) | 79 |
| Earnings | 68 | 77 (stronger) |
| Funding & liquidity | 44 | 92 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 46th | 94th |
| Total assets | $16.1B | $777.3M |
| Deposits / shares | $13.7B | $651.4M |
| Capital ratio | 9.49% | 17.96% (stronger) |
| Problem loans | 0.55% (stronger) | 0.63% |
| Net charge-offs | 0.16% (stronger) | 0.25% |
| Return on assets | 1.21% | 1.42% (stronger) |
| Loans ÷ deposits | 85.8% | 68.0% (stronger) |
| Uninsured deposits | 42.5% | 5.5% (stronger) |
| Offices | 174 | 9 |
| CFPB complaints (3 yrs) | 127 | — |
| Complaints per $1B deposits | 9.3 | — |
| Mortgage denial rate (HMDA) | 23.4% | — |
Sea Comm Federal Credit Union has the higher TellerScore (89 vs 64). On the 7 directional measures above (where higher or lower is clearly better), NBT 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
- Plattsburgh, NY
- Malone, NY
- Massena, NY
- Ogdensburg, NY
- Potsdam, NY
- Essex Junction, VT
- Canton, NY
- South Burlington, VT