SEA COMM

Charter #15672 | NY

500M-750M (169 CUs) Community (281 CUs)
7 500M-750M in NY

SEA COMM has 6 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 13.7% in tier
  • + ROA 0.90% above tier average
  • + Net Interest Margin 0.39% above tier average
  • + Total Assets: Top 1.8% in tier
  • + Net Worth Ratio: Top 2.4% in tier
  • + Total Members: Top 5.9% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 0.8% in tier
  • - Shrinking Wallet Share: Bottom 5.7% in tier
  • - Liquidity Overhang: Bottom 6.0% in tier
  • - Credit Quality Pressure: Bottom 24.2% in tier
  • - Indirect Auto Dependency: Bottom 31.0% in tier
  • - Deposit Growth Rate: Bottom 4.1% in tier
  • - AMR Growth Rate: Bottom 7.1% in tier
  • - Asset Growth Rate: Bottom 7.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 56,241
+1.9% YoY+0.7% QoQ
 +16.5K 39,752
-2.7% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 Top 6.5% in tier
Assets $747.2M
-5.1% YoY-1.7% QoQ
 +$124.8M $622.4M
+0.3% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Top 2.4% in tier
Loans $433.7M
-0.7% YoY+1.3% QoQ
 $-2.3M $435.9M
-0.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 47th in tier
Deposits $620.6M
-5.1% YoY-2.5% QoQ
 +$82.6M $538.0M
+1.3% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Top 15.4% in tier
ROA 1.6%
+76.0% YoY+15.8% QoQ
 +0.9% 0.7%
+33.9% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Top 6.5% in tier
NIM 3.8%
+23.4% YoY+3.5% QoQ
 +0.4% 3.4%
+8.6% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Top 21.9% in tier
Efficiency Ratio 66.9%
-11.2% YoY-3.1% QoQ
 -11.2% 78.1%
-3.4% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 10.1% in tier
Delinquency Rate 0.7%
+8.1% YoY-9.6% QoQ
 -0.1 0.8%
-4.9% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 52nd in tier
Loan To Share 69.9%
+4.6% YoY+4.0% QoQ
 -11.1% 81.0%
-1.8% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 18.9% in tier
AMR $18,746
-5.1% YoY-1.6% QoQ
 $-8K $26,482
+2.6% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Bottom 9.5% in tier
CD Concentration 17.9%
-36.3% YoY-0.1% QoQ
 -6.5% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 27th in tier
Indirect Auto % 25.5%
+2.8% YoY+1.2% QoQ
 +11.6% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 Top 22.1% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#251 of 603 • Top 13.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.91%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.56%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 25.52%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (5)

Deposit Outflow

decline
#6 of 114 • Bottom 0.8% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -5.07%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $747.18M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
114 of 281 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#58 of 244 • Bottom 5.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -5.15%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Liquidity Overhang

risk
#93 of 552 • Bottom 6.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 17.65%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 69.88%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Credit Quality Pressure

risk
#599 of 736 • Bottom 24.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.05% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#499 of 525 • Bottom 31.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -5.07%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 25.52%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.91%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 169 peers in tier

Top Strengths (9 metrics)

4
Total Assets
balance_sheet
Value: $747.18M
Peer Avg: $622.38M
#4 of 169 Top 1.8% in 500M-750M tier
5
Net Worth Ratio
risk
Value: 17.65%
Peer Avg: 10.94%
#5 of 169 Top 2.4% in 500M-750M tier
11
Return on Assets (ROA)
profitability
Value: 1.56%
Peer Avg: 0.66%
#11 of 169 Top 5.9% in 500M-750M tier
11
Total Members
engagement
Value: 56,241
Peer Avg: 39,752
#11 of 169 Top 5.9% in 500M-750M tier
18
Efficiency Ratio
profitability
Value: 66.89%
Peer Avg: 78.10%
#18 of 169 Top 10.1% in 500M-750M tier
23
Members Per Employee (MPE)
engagement
Value: 422.865
Peer Avg: 338.010
#23 of 169 Top 13.0% in 500M-750M tier
24
Share Certificate Concentration (%)
balance_sheet
Value: 17.93%
Peer Avg: 26.87%
#24 of 169 Top 13.6% in 500M-750M tier
26
Total Deposits
balance_sheet
Value: $620.60M
Peer Avg: $538.02M
#26 of 169 Top 14.8% in 500M-750M tier
37
Net Interest Margin (NIM)
profitability
Value: 3.82%
Peer Avg: 3.43%
#37 of 169 Top 21.3% in 500M-750M tier

Top Weaknesses (7 metrics)

163
Deposit Growth Rate
growth
Value: -5.07%
Peer Avg: 5.25%
#163 of 169 Bottom 4.1% in 500M-750M tier
158
AMR Growth Rate
growth
Value: -5.15%
Peer Avg: 3.12%
#158 of 169 Bottom 7.1% in 500M-750M tier
157
Asset Growth Rate
growth
Value: -5.07%
Peer Avg: 4.33%
#157 of 169 Bottom 7.7% in 500M-750M tier
153
Average Member Relationship (AMR)
engagement
Value: $18,746
Peer Avg: $26,482
#153 of 169 Bottom 10.1% in 500M-750M tier
146
Loan-to-Member Ratio (LMR)
engagement
Value: $7,711
Peer Avg: $11,805
#146 of 169 Bottom 14.2% in 500M-750M tier
137
Loan-to-Share Ratio
balance_sheet
Value: 69.88%
Peer Avg: 81.02%
#137 of 169 Bottom 19.5% in 500M-750M tier
129
Loan Growth Rate
growth
Value: -0.75%
Peer Avg: 4.04%
#129 of 169 Bottom 24.3% in 500M-750M tier