🏦Bank Scorer

SEA COMM

Massena, NY · Federal Credit Union · Chartered in NY

LICUWell Capitalized

Who can join

Type 66

Charter #15672Est. 1963RSSD: 191887

Members

56,628

Net Worth Ratio

17.73%

min. 7% = Well Capitalized

Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.

At a Glance

Total Assets

$771.8M

Peer Group 6

Members

56,628

as of latest quarter

Net Worth Ratio

17.73%

Well Capitalized

Institution Profile

NCUA

Address

30 Stearns Street, Massena, NY 13662

Chartered

1963

Branch Locations

9 locations

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

Total Assets

$771.8M

Total Shares

$643.8M

Total Loans

$430.3M

Net Worth Ratio

17.73%

≥7% = Well Capitalized

Members

56,628

Delinquency Rate (60d+)

0.27%

$1.2M

Loan-to-share ratio: 66.8%· healthy range 60–80%

Branch Locations

NCUA

30 Stearns St.

30 Stearns St, Massena, NY, 13662-2310

8-5 M-Th 8-6 F 9-12 S

MainATMDrive-thru

Branch - Malone

3349 State Route 11, Malone, NY, 12953-4713

8-5 M-Th 8-6 F 9-12 S

ATMDrive-thru

Branch - Potsdam

6 Sisson St, Potsdam, NY, 13676-3596

8-5 M-Th 8-6 F 9-12 S

ATMDrive-thru

Branch - Ogdensburg

3001 Ford Street Ext, Ogdensburg, NY, 13669-4495

8-5 M-Th 8-6 F

ATMDrive-thru

Branch - Plattsburgh

139 Smithfield Blvd, Plattsburgh, NY, 12901

8-5 M-Th8-6 F9-12 S

ATMDrive-thru

Branch - South Burlington

1680 Shelburne Rd, South Burlington, VT, 05403-7718

Monday - Thursday 8:00 a.m. to 5:00 p.m. Friday 8:00 a.m. to 6:00 p.m. Drive-Thru Tellers Open at 8:00 Saturday Closed

ATMDrive-thru

Branch - Essex

25 Carmichael St, Essex Junction, VT, 05452

Monday - Thursday 8:00 a.m. to 5:00 p.m.Friday 8:00 a.m. to 6:00 p.m.Saturday - Closed

ATMDrive-thru

Branch - Canton

101 E Main St, Canton, NY, 13617-1445

8-5 M-Th 8-6 F 9-12 S

ATMDrive-thru

Branch - Watertown

20565 State Route 3, Watertown, NY, 13601

Monday - Thursday - 8:00 a.m. to 5:00 p.m. Friday - 8:00 a.m. to 6:00 p.m.

ATMDrive-thru

Mortgage Lending (HMDA)

CFPB HMDA

Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.

Consumer Complaints

CFPB / NCUA

No CFPB complaint data available for this credit union.

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Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.