BlastPoint's Credit Union Scorecard

SEA COMM

Charter #15672 · NY

Community 500M-750M

169 CUs in 500M-750M nationally 7 in NY

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SEA COMM has 7 strengths but faces 8 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

+ Organic Growth Engine: Top 13.7% in tier
+ Profitability Leader: Top 38.9% 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 5.0% in tier
- Shrinking Wallet Share: Bottom 5.7% in tier
- Credit Quality Pressure: Bottom 24.2% in tier
- Indirect Auto Dependency: Bottom 31.0% in tier
- Liquidity Overhang: Bottom 47.4% 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	47%
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	85%

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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	1.6% +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	78%
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	52%
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	19%
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	27%
Indirect Auto %	25.5% +2.8% YoY+1.2% QoQ	+11.5%	14.0% -5.7% YoY	2.6% -3.7% YoY	7.9% -2.9% YoY	78%

Signature Analysis

Strengths (2)

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: 13.97%, National: 7.90%)

but worse than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Profitability Leader

growth

#133 of 340 • Top 38.9% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.56%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.68% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (5)

Deposit Outflow

decline

#5 of 81 • Bottom 5.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money 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

Member Growth (YoY): 1.91%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 281 Community CUs have this signature | 109 nationally

↓ Shrinking -144 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

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

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: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.91%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Overhang

risk

#64 of 134 • Bottom 47.4% 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

134 of 281 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY | New qualifier

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 169 peers in tier

Top Strengths (9 metrics)

Total Assets

balance_sheet

Value: $747.18M

Peer Avg: -

#4 of 169 Top 1.8% in 500M-750M tier

Net Worth Ratio

risk

Value: 17.65%

Peer Avg: -

#5 of 169 Top 2.4% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.56%

Peer Avg: -

#11 of 169 Top 5.9% in 500M-750M tier

Total Members

engagement

Value: 56,241

Peer Avg: -

#11 of 169 Top 5.9% in 500M-750M tier

Efficiency Ratio

profitability

Value: 66.89%

Peer Avg: -

#18 of 169 Top 10.1% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 422.865

Peer Avg: -

#23 of 169 Top 13.0% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 17.93%

Peer Avg: -

#24 of 169 Top 13.6% in 500M-750M tier

Total Deposits

balance_sheet

Value: $620.60M

Peer Avg: -

#26 of 169 Top 14.8% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 3.82%

Peer Avg: -

#37 of 169 Top 21.3% in 500M-750M tier

Top Weaknesses (7 metrics)

163

Deposit Growth Rate

growth

Value: -5.07%

Peer Avg: -

#163 of 169 Bottom 4.1% in 500M-750M tier

158

AMR Growth Rate

growth

Value: -5.15%

Peer Avg: -

#158 of 169 Bottom 7.1% in 500M-750M tier

157

Asset Growth Rate

growth

Value: -5.07%

Peer Avg: -

#157 of 169 Bottom 7.7% in 500M-750M tier

153

Average Member Relationship (AMR)

engagement

Value: $18,746

Peer Avg: -

#153 of 169 Bottom 10.1% in 500M-750M tier

146

Loan-to-Member Ratio (LMR)

engagement

Value: $7,711

Peer Avg: -

#146 of 169 Bottom 14.2% in 500M-750M tier

137

Loan-to-Share Ratio

balance_sheet

Value: 69.88%

Peer Avg: -

#137 of 169 Bottom 19.5% in 500M-750M tier

129

Loan Growth Rate

growth

Value: -0.75%

Peer Avg: -

#129 of 169 Bottom 24.3% in 500M-750M tier