Seaboard

BUCKSPORT, ME · 1 · Charter #4118 · www.seaboardfcu.com
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
$238.1M
97th percentile
Members
13,287
84th percentile
Total loans
$143.2M
94th percentile
Total shares
$212.9M
99th percentile

Profitability

Return on assets
0.72%
29th percentile
Net interest margin
3.13%
23th percentile
Efficiency ratio
55.15%
71th percentile
Non-interest income ratio
13.37%
31th percentile

Capital & Risk

Net worth ratio
8.86%
10th percentile
Delinquency rate
1.67%
14th percentile
Net charge-off rate
0.23%
61th percentile
Loan-to-share
67.27%
48th percentile

Growth

Member growth YoY
-3.84%
18th percentile
Asset growth YoY
5.84%
67th percentile
Loan growth YoY
1.05%
48th percentile
Share growth YoY
5.46%
68th percentile

Operations

Members / branch
4,429
76th percentile
Assets / member
$17,916
76th percentile
Field of membership penetration
4.63%
44th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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