BlastPoint's Credit Union Scorecard
S E A
Charter #67149 · UT
S E A has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 4.3% in tier
- + Asset Growth Rate: Top 6.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Member Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Net Interest Margin (NIM): Bottom 5.3% in tier
- - Fee Income Per Member: Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
681
+3.2% YoY-0.4% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$7.0M
+11.9% YoY+0.9% QoQ
|
$-23.2M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$4.6M
+3.7% YoY-4.1% QoQ
|
$-11.2M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$5.6M
+14.3% YoY+1.1% QoQ
|
$-20.1M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
0.6%
+3.0% YoY-22.4% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
43% |
| NIM |
2.2%
-2.7% YoY-8.2% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.2% in tier |
| Efficiency Ratio |
73.5%
-3.2% YoY+7.2% QoQ
|
-9.1% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
81.7%
-9.3% YoY-5.1% QoQ
|
+21.1% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$14,933
+5.9% YoY-0.9% QoQ
|
+$150 |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)