Sea West Coast Guard

OAKLAND, CA · 1 · Charter #12814 · www.seawest.coop
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$386.2M
37th percentile
Members
11,478
3th percentile
Total loans
$240.7M
34th percentile
Total shares
$307.5M
32th percentile

Profitability

Return on assets
0.04%
6th percentile
Net interest margin
1.74%
1th percentile
Efficiency ratio
60.16%
44th percentile
Non-interest income ratio
9.04%
6th percentile

Capital & Risk

Net worth ratio
19.63%
99th percentile
Delinquency rate
0.03%
100th percentile
Net charge-off rate
0.04%
96th percentile
Loan-to-share
78.27%
43th percentile

Growth

Member growth YoY
-1.01%
33th percentile
Asset growth YoY
-2.80%
6th percentile
Loan growth YoY
-4.78%
9th percentile
Share growth YoY
-3.59%
4th percentile

Operations

Members / branch
3,826
33th percentile
Assets / member
$33,647
97th percentile
Field of membership penetration
22.96%
86th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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