Sea Comm Federal Credit Union

Headquarters: Massena, New York
Charter: Credit Union
Assets: $777.3M
Fed district: New York
Regulator: NCUA

23 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 17, 2026.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 17, 2026

How these figures are measured

Call-report figures are for Sea Comm Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Sea Comm Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 17, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Sea Comm Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $1.3M in Q2 2026, 14% above the same quarter a year earlier ($1.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Sea Comm Federal Credit Union: $25
Sea Comm Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Sea Comm Federal Credit Union: $25
Sea Comm Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Compared at $1.50, the middle of its prices
Sea Comm Federal Credit Union: $1 to $2
Sea Comm Federal Credit Union: $1 to $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 3.1% from Q3 2025 to Q2 2026, to $1.3M.

Fee income, Q2 2026

$1.3M

$1.2MQ3 2025

$1.2MQ4 2025

$1.2MQ1 2026

$1.3MQ2 2026

Against the median

Sea Comm Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Sea Comm Federal Credit Union · $777M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Credit unions only
$747M to $810M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Sea Comm Federal Credit Union(this institution)	Massena, NY	$777M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Air Academy Federal Credit Union	Colorado Springs, CO	$810M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bayer Heritage Federal Credit Union	New Martinsville, WV	$801M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Caribe Federal Credit Union	San Juan, PR	$800M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Corda Federal Credit Union	Cedar Rapids, IA	$776M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cpm Federal Credit Union	North Charleston, SC	$759M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union of Georgia	Woodstock, GA	$766M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Dakotaland Federal Credit Union	Huron, SD	$752M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Direct Federal Credit Union	Needham, MA	$795M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Erie Federal Credit Union	Erie, PA	$808M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Family Trust Federal Credit Union	Rock Hill, SC	$805M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Freedom Federal Credit Union	Springfield, MA	$764M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Gfa Federal Credit Union	Gardner, MA	$747M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Granite State Federal Credit Union	Manchester, NH	$749M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hawaii Community Federal Credit Union	Kailua Kona, HI	$808M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Oklahoma Central Federal Credit Union	Tulsa, OK	$760M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Pathways Financial Federal Credit Union	Columbus, OH	$772M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Polish National Federal Credit Union	Chicopee, MA	$777M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Profed Federal Credit Union	Fort Wayne, IN	$763M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
R.I.A. Federal Credit Union	Rock Island, IL	$749M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Reliant Community Federal Credit Union	Sodus, NY	$788M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Smart Financial Federal Credit Union	Houston, TX	$808M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Solarity Federal Credit Union	Yakima, WA	$804M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Texell Federal Credit Union	Temple, TX	$801M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First Financial Federal Credit Union	Pasadena, CA	$748M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
True Sky Federal Credit Union	Oklahoma City, OK	$778M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 19 publish this fee(monthly maintenance)

6 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Sea Comm Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7.50 among 19 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Sea Comm Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Sea Comm Federal Credit U…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Sea Comm Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $1.3M
vs prior quarter: +$63K+5.3%; from Q1 2026
vs a year earlier: +$153K+13.9%; from Q2 2025
vs start of range: +$231K+22.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Sea Comm Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$1.3M	+$63K	+5.3%
Q1 2026	$1.2M	−$58K	−4.6%
Q4 2025	$1.2M	+$33K	+2.7%
Q3 2025	$1.2M	+$115K	+10.4%
Q2 2025	$1.1M	+$49K	+4.7%
Q1 2025	$1.1M	−$45K	−4.1%
Q4 2024	$1.1M	+$74K	+7.2%
Q3 2024	$1.0M	+$41K	+4.2%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Sea Comm Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure$20
Escheatment Fee$25
Inactive Account$5
per month
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$10
Not compared: Charged per hour; comparison unavailable
per hour
Incorrect Address$5

Overdraft & NSF

Overdraft Fee or a Re$25
per item
Overdraft Privilege$25
NSF$25
per item
Overdraft Transfer$10
per item

ATM & Card

ATM Account Inquiry$1
per item
Non-proprietary ATM Withdrawal/Transfer$2
per item
Visa® Debit Card Replacement$10

Wire Transfers

Wire Transfer - Outgoing$25
per item
International Wire - Outgoing$25.50
per item

Check Services

Official Check$3
Official Check$2
Money Order$2
Money Order$3
Stop Payment$25
per item
Counter Checks$1
Items Sent for Collection$15
per item
Copy of Official Check$4
Official Check Copy$3
Share Draft Copy$2

Cash & Deposit

Deposited Item Return$25
per item

Account Services

5" x 5" or 3" x 10" Box$50
per year
Safe Deposit Box 10" x 10"$90
per year
Safe Deposit Box 3" x 5"$40
per year
Safe Deposit Box 5" x 10"$60
per year
Legal Restraining Notice/Levy$50

Lending Fees

Loan Modification Fee$100

Gift & Prepaid Cards

CU Money Visa® Reloadable Card$2.50
Reload fee$2
Reload fee$0.50
Visa® Gift Card$5

Other Fees

Statement Copy$2
Statement Copy$1
per item
Visa® Gift Card Statement Copy$1
Loan Modification Fee$100

Fee	Amount	Basis	Note
Account Maintenance
Account Closure	$20	Not stated	None
Escheatment Fee	$25	Not stated	None
Inactive Account	$5	per month	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Incorrect Address	$5	Not stated	None
Overdraft & NSF
Overdraft Fee or a Re	$25	per item	None
Overdraft Privilege	$25	Not stated	None
NSF	$25	per item	None
Overdraft Transfer	$10	per item	None
ATM & Card
ATM Account Inquiry	$1	per item	None
Non-proprietary ATM Withdrawal/Transfer	$2	per item	None
Visa® Debit Card Replacement	$10	Not stated	None
Wire Transfers
Wire Transfer - Outgoing	$25	per item	None
International Wire - Outgoing	$25.50	per item	None
Check Services
Official Check	$3	Not stated	None
Official Check	$2	Not stated	None
Money Order	$2	Not stated	None
Money Order	$3	Not stated	None
Stop Payment	$25	per item	None
Counter Checks	$1	Not stated	None
Items Sent for Collection	$15	per item	None
Copy of Official Check	$4	Not stated	None
Official Check Copy	$3	Not stated	None
Share Draft Copy	$2	Not stated	None
Cash & Deposit
Deposited Item Return	$25	per item	None
Account Services
5" x 5" or 3" x 10" Box	$50	per year	None
Safe Deposit Box 10" x 10"	$90	per year	None
Safe Deposit Box 3" x 5"	$40	per year	None
Safe Deposit Box 5" x 10"	$60	per year	None
Legal Restraining Notice/Levy	$50	Not stated	None
Lending Fees
Loan Modification Fee	$100	Not stated	None
Gift & Prepaid Cards
CU Money Visa® Reloadable Card	$2.50	Not stated	None
Reload fee	$2	Not stated	None
Reload fee	$0.50	Not stated	None
Visa® Gift Card	$5	Not stated	None
Other Fees
Statement Copy	$2	Not stated	None
Statement Copy	$1	per item	None
Visa® Gift Card Statement Copy	$1	Not stated	None
Loan Modification Fee	$100	Not stated	None

Correct a fee source

Oct 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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