Side-by-side · Q2 2026 data
The North Country Savings Bank vs Sea Comm Federal Credit Union
Metric by metric
| Measure | The North Country Savings Bank | Sea Comm Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 89 (stronger) |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 73 | 79 (stronger) |
| Earnings | 72 | 77 (stronger) |
| Funding & liquidity | 54 | 92 (stronger) |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 72nd | 94th |
| Total assets | $373.5M | $777.3M |
| Deposits / shares | $296.6M | $651.4M |
| Capital ratio | 14.53% | 17.96% (stronger) |
| Problem loans | 0.82% | 0.63% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.25% |
| Return on assets | 1.30% | 1.42% (stronger) |
| Loans ÷ deposits | 106.0% | 68.0% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 5.5% |
| Offices | 8 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sea Comm Federal Credit Union has the higher TellerScore (89 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The North Country Savings Bank leads on 2 and Sea Comm Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Canton, NY
- Malone, NY
- Massena, NY
- Ogdensburg, NY
- Plattsburgh, NY
- Potsdam, NY