BlastPoint's Credit Union Scorecard

SEA COMM

Charter #15672 · NY

Community 750M-1B

117 CUs in 750M-1B nationally 5 in NY

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SEA COMM has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.66% above tier average
+ Net Interest Margin 0.42% above tier average
+ Net Worth Ratio: Top 2.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 5.2% in tier
- Indirect Auto Dependency: Bottom 79.2% in tier
- Shrinking Wallet Share: Bottom 85.5% in tier
- Loan-to-Member Ratio (LMR): Bottom 5.1% in tier
- Total Deposits: Bottom 8.5% in tier
- Total Loans: Bottom 8.5% in tier
- Average Member Relationship (AMR): Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	56,628 +1.9% YoY+0.4% QoQ	+5.1K	51,500 +0.7% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	63%
Assets	$771.8M +0.6% YoY+2.0% QoQ	$-93.8M	$865.6M +0.9% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	Bottom 12.0% in tier
Loans	$430.3M +1.6% YoY-0.6% QoQ	$-164.9M	$595.3M +1.6% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	Bottom 7.7% in tier
Deposits	$643.8M +0.2% YoY+2.9% QoQ	$-98.4M	$742.2M +0.6% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	Bottom 7.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% +23.7% YoY-6.1% QoQ	+0.7%	0.8% +45.0% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	Top 11.1% in tier
NIM	3.9% +8.5% YoY+0.3% QoQ	+0.4%	3.5% +6.1% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	75%
Efficiency Ratio	69.3% -3.6% YoY+2.3% QoQ	-6.3%	75.5% -3.4% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	24%
Delinquency Rate	0.6% -24.7% YoY-34.8% QoQ	-0.1	0.7% -0.1% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	48%
Loan To Share	66.8% +1.3% YoY-3.5% QoQ	-13.8%	80.6% +0.7% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	18%
AMR	$18,967 -1.1% YoY+1.0% QoQ	$-10K	$28,908 +0.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	Bottom 7.7% in tier
CD Concentration	18.7% -8.1% YoY+0.3% QoQ	-5.6%	24.3%	16.4%	19.8%	30%
Indirect Auto %	25.4% +0.9% YoY+0.6% QoQ	+11.6%	13.8%	2.6%	7.7%	78%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Liquidity Overhang

risk

#63 of 126 • Bottom 5.2% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.73%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 66.85%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 284 Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#195 of 238 • Bottom 85.5% in tier

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

Why This Signature

AMR Growth (YoY): -1.14%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 284 Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#452 of 504 • Bottom 79.2% in tier

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

Why This Signature

Asset Growth (YoY): 0.61%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 25.37%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.94%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

745 nationally

↓ Shrinking -29 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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (8 metrics)

Net Worth Ratio

risk

Value: 17.73%

Peer Median: 10.69%

#4 of 117 Top 2.6% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.43%

Peer Median: 0.63%

#13 of 117 Top 10.3% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 18.71%

Peer Median: 26.77%

#17 of 117 Top 13.7% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 422.597

Peer Median: 328.468

#23 of 117 Top 18.8% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.26%

Peer Median: 0.47%

#28 of 117 Top 23.1% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 23.76%

Peer Median: 32.60%

#28 of 117 Top 23.1% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 3.87%

Peer Median: 3.47%

#29 of 117 Top 23.9% in 750M-1B tier

Efficiency Ratio

profitability

Value: 69.26%

Peer Median: 77.38%

#29 of 117 Top 23.9% in 750M-1B tier

Top Weaknesses (10 metrics)

112

Loan-to-Member Ratio (LMR)

engagement

Value: $7,599

Peer Median: $11,598

#112 of 117 Bottom 5.1% in 750M-1B tier

108

Total Deposits

balance_sheet

Value: $643.76M

Peer Median: $735.65M

#108 of 117 Bottom 8.5% in 750M-1B tier

108

Total Loans

balance_sheet

Value: $430.32M

Peer Median: $618.21M

#108 of 117 Bottom 8.5% in 750M-1B tier

108

Average Member Relationship (AMR)

engagement

Value: $18,967

Peer Median: $26,209

#108 of 117 Bottom 8.5% in 750M-1B tier

104

AMR Growth Rate

growth

Value: -1.14%

Peer Median: 3.70%

#104 of 117 Bottom 12.0% in 750M-1B tier

103

Total Assets

balance_sheet

Value: $771.78M

Peer Median: $858.87M

#103 of 117 Bottom 12.8% in 750M-1B tier

Asset Growth Rate

growth

Value: 0.61%

Peer Median: 4.88%

#98 of 117 Bottom 17.1% in 750M-1B tier

Deposit Growth Rate

growth

Value: 0.24%

Peer Median: 4.60%

#98 of 117 Bottom 17.1% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 66.85%

Peer Median: 84.41%

#96 of 117 Bottom 18.8% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 25.37%

Peer Median: 13.79%

#90 of 117 Bottom 23.9% in 750M-1B tier