BlastPoint's Credit Union Scorecard
SEA COMM
Charter #15672 · NY
SEA COMM has 4 strengths but faces 13 concerns
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 41.6% in tier
- + ROA 0.77% above tier average
- + Net Interest Margin 0.47% above tier average
- + Net Worth Ratio: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 5.9% in tier
- - Shrinking Wallet Share: Bottom 31.9% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 77.6% in tier
- - Indirect Auto Dependency: Bottom 95.0% in tier
- - Deposit Growth Rate: Bottom 3.4% in tier
- - AMR Growth Rate: Bottom 3.4% in tier
- - Asset Growth Rate: Bottom 5.1% in tier
- - Total Assets: Bottom 5.1% in tier
- - Total Deposits: Bottom 6.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.0% in tier
- - Total Loans: Bottom 8.5% in tier
- - Average Member Relationship (AMR): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
56,384
+1.8% YoY+0.3% QoQ
|
+4.3K |
52,084
-1.6% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$756.7M
-2.5% YoY+1.3% QoQ
|
$-107.2M |
$863.9M
+0.5% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.3% in tier |
| Loans |
$433.1M
+0.4% YoY-0.1% QoQ
|
$-172.7M |
$605.8M
+1.4% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.7% in tier |
| Deposits |
$625.4M
-4.3% YoY+0.8% QoQ
|
$-111.9M |
$737.3M
+0.1% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.1% in tier |
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| ROA |
1.5%
+61.1% YoY-2.9% QoQ
|
+0.8% |
0.7%
+39.1% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 6.0% in tier |
| NIM |
3.9%
+21.0% YoY+1.1% QoQ
|
+0.5% |
3.4%
+8.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
67.7%
-9.1% YoY+1.2% QoQ
|
-6.6% |
74.3%
-3.6% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.9%
+10.9% YoY+25.1% QoQ
|
-0.0 |
0.9%
+3.8% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
69.3%
+5.0% YoY-0.9% QoQ
|
-13.3% |
82.6%
+1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$18,773
-4.2% YoY+0.1% QoQ
|
$-10K |
$28,873
+2.7% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.7% in tier |
| CD Concentration |
18.7%
-23.9% YoY+4.1% QoQ
|
-5.8% | 24.4% | 16.3% | 19.8% | 29% |
| Indirect Auto % |
25.2%
+1.2% YoY-1.1% QoQ
|
+11.4% | 13.8% | 2.6% | 7.8% | 78% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)