Side-by-side · Q2 2026 data
Sea Comm Federal Credit Union vs State Cs Employees Federal Credit Union
Credit union
State Cs Employees Federal Credit Union
Watertown, New York · Under $100 million in assets
Metric by metric
| Measure | Sea Comm Federal Credit Union | State Cs Employees Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 79 (stronger) | 74 |
| Earnings | 77 (stronger) | 74 |
| Funding & liquidity | 92 (stronger) | 73 |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 94th | 32nd |
| Total assets | $777.3M | $49.4M |
| Deposits / shares | $651.4M | $44.7M |
| Capital ratio | 17.96% (stronger) | 9.30% |
| Problem loans | 0.63% (stronger) | 0.77% |
| Net charge-offs | 0.25% | 0.20% (stronger) |
| Return on assets | 1.42% (stronger) | 1.34% |
| Loans ÷ deposits | 68.0% (stronger) | 87.0% |
| Uninsured deposits | 5.5% | 5.3% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sea Comm Federal Credit Union has the higher TellerScore (89 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Sea Comm Federal Credit Union leads on 5 and State Cs Employees Federal Credit Union on 2. 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.