Sea Air

Seal Beach, CA · 1 · Charter #7817 · www.seaairfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$117.4M
56th percentile
Members
6,266
37th percentile
Total loans
$48.2M
37th percentile
Total shares
$88.9M
48th percentile

Profitability

Return on assets
-0.62%
1th percentile
Net interest margin
1.98%
2th percentile
Efficiency ratio
80.76%
6th percentile
Non-interest income ratio
11.76%
24th percentile

Capital & Risk

Net worth ratio
24.02%
98th percentile
Delinquency rate
2.75%
4th percentile
Net charge-off rate
0.53%
30th percentile
Loan-to-share
54.29%
26th percentile

Growth

Member growth YoY
1.72%
77th percentile
Asset growth YoY
-3.45%
6th percentile
Loan growth YoY
10.81%
89th percentile
Share growth YoY
-4.12%
6th percentile

Operations

Members / branch
2,089
23th percentile
Assets / member
$18,737
79th percentile
Field of membership penetration
20.49%
71th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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