Charter 15672 · Massena, NY
Sea Comm Federal Credit Union
Sea Comm Federal Credit Union is a federally chartered credit union in Massena, New York, with $777 million in assets and 57,059 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 17.96%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $777 million
- +2.2% in a year
- Members
- 57,059
- +2.1% in a year
- Net worth ratio
- 17.96%
- Peer median 10.79%
- Loans 60+ days late
- 0.63%
- Peer median 0.67%
- Loans outstanding
- $443 million
- +3.5% in a year
- Shares and deposits
- $651 million
- +2.3% in a year
- Branches
- 9
- 138 employees
- Opened
- 1963
- Federal charter
How Sea Comm Federal Credit Union compares
NCUA groups credit unions by size; Sea Comm Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 17.96% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.63%, is about the same as the group median of 0.67%. Loans grew 3.5% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 29 of 268 credit unions headquartered in New York. See all New York credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $777 million | 57,059 | $443 million | 17.96% | 0.63% |
| Q1 2026 | $772 million | 56,628 | $430 million | 17.73% | 0.56% |
| Q4 2025 | $757 million | 56,384 | $433 million | 17.72% | 0.85% |
| Q3 2025 | $747 million | 56,241 | $434 million | 17.65% | 0.68% |
| Q2 2025 | $760 million | 55,870 | $428 million | 16.86% | 0.76% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 637,609 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 9 sites for Sea Comm Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Branch - Canton
101 E Main St, Canton, NY 13617 - Branch - Malone
3349 State Route 11, Malone, NY 12953 - Branch - Potsdam
6 Sisson St, Potsdam, NY 13676 - 30 Stearns St. (main office)
30 Stearns St, Massena, NY 13662 - Branch - Ogdensburg
3001 Ford Street Ext, Ogdensburg, NY 13669 - Branch - Plattsburgh
139 Smithfield Blvd, Plattsburgh, NY 12901 - Branch - South Burlington
1680 Shelburne Rd, South Burlington, VT 05403 - Branch - Essex
25 Carmichael St, Essex Junction, VT 05452 - Branch - Watertown
20565 State Route 3, Watertown, NY 13601
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology