BlastPoint's Credit Union Scorecard
SEA COMM
Charter #15672 · NY
SEA COMM has 3 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.58% above tier average
- + Net Interest Margin 0.36% above tier average
- + Net Worth Ratio: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 5.4% in tier
- - Indirect Auto Dependency: Bottom 68.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.3% in tier
- - Total Loans: Bottom 8.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 5 that size in New York.
- Shares and deposits +2.3% year over year ($651M in shares and deposits).
- Membership: 57,059 members, +2.1% vs a year ago.
- Delinquency rate 0.63%.
- Return on assets 1.43%.
- Efficiency ratio 69.59% vs a 74.54% peer average.
- Loan-to-share ratio 68.04% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
57,059
+2.1% YoY+0.8% QoQ
|
+4.6K |
52,482
+1.3% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
61% |
| Assets |
$777.3M
+2.2% YoY+0.7% QoQ
|
$-86.6M |
$863.9M
+0.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.5% in tier |
| Loans |
$443.3M
+3.5% YoY+3.0% QoQ
|
$-164.5M |
$607.8M
+2.1% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.2% in tier |
| Deposits |
$651.4M
+2.3% YoY+1.2% QoQ
|
$-88.5M |
$739.9M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.8% in tier |
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| ROA |
1.4%
+5.8% YoY+0.2% QoQ
|
+0.6% |
0.8%
+30.4% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Top 14.4% in tier |
| NIM |
3.9%
+4.8% YoY-0.1% QoQ
|
+0.4% |
3.5%
+6.2% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
69.6%
+0.8% YoY+0.5% QoQ
|
-5.0% |
74.5%
-1.4% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
23% |
| Delinquency Rate |
0.6%
-16.2% YoY+13.6% QoQ
|
-0.2 |
0.8%
+1.0% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
68.0%
+1.2% YoY+1.8% QoQ
|
-14.6% |
82.6%
+1.9% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
15% |
| AMR |
$19,185
+0.7% YoY+1.1% QoQ
|
$-10K |
$28,702
+0.4% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.9% in tier |
| CD Concentration |
19.2%
+6.8% YoY+2.4% QoQ
|
-5.4% | 24.6% | 16.4% | 20.0% | 30% |
| Indirect Auto % |
25.6%
+1.7% YoY+1.0% QoQ
|
+12.0% | 13.6% | 2.7% | 7.7% | 79% |
Signature Analysis
Strengths (0)
Concerns (2)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)