Side-by-side · Q2 2026 data
Sea Comm Federal Credit Union vs Twin Rivers Federal Credit Union
Metric by metric
| Measure | Sea Comm Federal Credit Union | Twin Rivers Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 81 |
| Loan quality | 79 | 93 (stronger) |
| Earnings | 77 (stronger) | 53 |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 94th | 72nd |
| Total assets | $777.3M | $39.2M |
| Deposits / shares | $651.4M | $35.2M |
| Capital ratio | 17.96% (stronger) | 13.07% |
| Problem loans | 0.63% | 0.22% (stronger) |
| Net charge-offs | 0.25% (stronger) | 1.19% |
| Return on assets | 1.42% (stronger) | 0.84% |
| Loans ÷ deposits | 68.0% | 45.8% (stronger) |
| Uninsured deposits | 5.5% | 3.1% (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 83). On the 7 directional measures above (where higher or lower is clearly better), Sea Comm Federal Credit Union leads on 4 and Twin Rivers Federal Credit Union on 3. 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
- Massena, NY