SEA COMM
Charter #15672 · MASSENA, NY · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.73% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.44% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.91% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.26% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 48th — a 29-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SEA COMM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $771.78M | 64th pct | 48th pct |
| Members | 56,628 | 83th pct | 61th pct |
| Net worth ratio | 17.73% | 97th pct | 95th pct |
| Return on average assets | 1.44% | 89th pct | 85th pct |
| Net interest margin | 3.91% | 78th pct | 79th pct |
| Cost of funds | 0.94% | 22th pct | 26th pct |
| Loan-to-share | 66.85% | 18th pct | 48th pct |
| Delinquency 60+ days | 0.56% | 48th pct | 54th pct |
| Net charge-off ratio | 0.26% | 28th pct | 13th pct |
| Loan growth YoY | -0.78% | 29th pct | 31th pct |
| Share growth YoY | 3.73% | 45th pct | 61th pct |
| Efficiency ratio | 69.26% | 20th pct | 26th pct |
structural peer set hash: 4029f739213bc606e4efd965dcdd5cea… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.