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Sea Comm Credit Union Share
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Overview Share
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Sea Comm Credit Union is a federal credit union based in Massena, New York. It has been opened since 1963, for 59 years.

With around $546,020,000 in assets, Sea Comm Credit Union is considered to be a very large credit union. It has 7 branches and 7 ATM locations.

About Share
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Address 30 Stearns Street
Massena, New York 13662
Website http://www.seacomm.org
Phone (315) 764-0566
Fax (315) 764-0152
CEO Scott A. Wilson
President of the Board Myron Burns
Services Offered
Score Card Share
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59 years
Years in business
Opened in 1963
Well Capitalized
Net worth classification
Source: NCUA
46,696 members
Membership type: Unknown
Above average number of members
383:1
Credit union member to staff ratio
383 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$546,022,198
Total assets
Above average
7 branches
Compared with an average of 4 nationally and 3 in New York
Above average number of branches
0.48%
Savings interest rate
Compared to 0.3% nationally
8.95%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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7 branches
Compared with an average of 4 nationally and 3 in New York
Above average number of branches
Sea Comm Credit Union Branch Locations

Sea Comm Credit Union: Branch - Potsdam
6 Sisson Street
Potsdam, New York 13676
ATM Available
Sea Comm Credit Union: Branch - Malone
3349 State Route 11
Malone, New York 12953
ATM Available
Sea Comm Credit Union: Branch - Canton
101 E. Main Street
Canton, New York 13617
ATM Available
Sea Comm Credit Union: Branch - Plattsburgh
139 Smithfield Boulevard
Plattsburgh, New York 12901
ATM Available
Sea Comm Credit Union: Branch - Ogdensburg
3001 Ford Street Ext
Ogdensburg, New York 13669
ATM Available
Sea Comm Credit Union: 30 Stearns Street
30 Stearns Street
Massena, New York 13662
ATM Available
Members Share
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46,696 members
Membership type: Unknown
Above average number of members

With 46,696 members, the Sea Comm Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 90% of credit unions.

Fees Share
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$57
Average fee per member
The average fee per member at the Sea Comm Credit Union is $57, which is comparable to most credit unions. This rate is lower than 42% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Sea Comm Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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383:1
Credit union member to staff ratio
383 per each FTE employee
Compared to 411:1 nationally
Average number of staff
122 staff members
FTE (full-time equivalent)
9% of employees are part-time
116 full-time, 12 part-time

Sea Comm Credit Union has 116 full-time staff members and 12 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 91% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Sea Comm Credit Union has around 383 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets Share
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$546,022,198
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
14.9%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$11,305
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 60% of credit unions.

Sea Comm Credit Union holds a total of $332,290,000 in loans and leases, which is about $11,305 per member on average.

Savings interest rate Share
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0.48%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Sea Comm Credit Union pays 0.48%.

Loan rates Share
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8.95%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.25%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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4.24%
New car loan rate
Compared to 4.0% nationally
4.24%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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6.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.25%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
7.00%
Other real estate loan rates
Compared to 0.9% nationally

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Similar Credit Unions to Sea Comm Credit Union

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Sea Comm Credit Union: Branch - Potsdam ATM
Credit Union ATM: 6 Sisson Street
Potsdam, New York 13676
Sea Comm Credit Union: 30 Stearns Street
Credit Union Branch: 30 Stearns Street
Massena, New York 13662 ATM Available
Sea Comm Credit Union: Branch - Canton ATM
Credit Union ATM: 101 E. Main Street
Canton, New York 13617
Sea Comm Credit Union: Branch - Plattsburgh
Credit Union Branch: 139 Smithfield Boulevard
Plattsburgh, New York 12901 ATM Available
Sea Comm Credit Union: Branch - Potsdam
Credit Union Branch: 6 Sisson Street
Potsdam, New York 13676 ATM Available
Sea Comm Credit Union: Branch - Malone
Credit Union Branch: 3349 State Route 11
Malone, New York 12953 ATM Available
Sea Comm Credit Union: Branch - Ogdensburg
Credit Union Branch: 3001 Ford Street Ext
Ogdensburg, New York 13669 ATM Available
Sea Comm Credit Union: Branch - Malone ATM
Credit Union ATM: 3349 State Route 11
Malone, New York 12953
Sea Comm Credit Union: Branch - Canton
Credit Union Branch: 101 E. Main Street
Canton, New York 13617 ATM Available
Sea Comm Credit Union: 30 Stearns Street ATM
Credit Union ATM: 30 Stearns Street
Massena, New York 13662