S E A
Charter #67149 | UT
<100M
(2596 CUs)
Micro
($0-$500M)
30 <100M in UT
S E A has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.05% above tier average
- + 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 4.8% in tier
- + Asset Growth Rate: Top 6.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 6.3% in tier
- - Fee Income Per Member: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
684
+3.5% YoY+1.0% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
Bottom 19.3% in tier |
| Assets |
$6.9M
+11.1% YoY+3.8% QoQ
|
$-22.9M |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
25th in tier |
| Loans |
$4.8M
+8.1% YoY+0.8% QoQ
|
$-11.0M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
33rd in tier |
| Deposits |
$5.5M
+13.2% YoY+4.6% QoQ
|
$-19.9M |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
25th in tier |
| ROA |
0.7%
+36.3% YoY-12.1% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
48th in tier |
| NIM |
2.4%
+5.6% YoY-4.4% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.3% in tier |
| Efficiency Ratio |
68.5%
-10.5% YoY+4.2% QoQ
|
-12.8% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
28th in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
86.1%
-4.5% YoY-3.7% QoQ
|
+24.8% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 15.3% in tier |
| AMR |
$15,061
+7.1% YoY+1.8% QoQ
|
+$434 |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
58th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (12 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
126
Deposit Growth Rate
growth
Value:
13.18%
Peer Avg: 16.80%
#126 of 2596
Top 4.8% in <100M tier
171
Asset Growth Rate
growth
Value:
11.10%
Peer Avg: 1.82%
#171 of 2596
Top 6.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
266
Member Growth Rate
growth
Value:
3.48%
Peer Avg: 14.92%
#266 of 2596
Top 10.2% in <100M tier
354
Loan Growth Rate
growth
Value:
8.12%
Peer Avg: 59.01%
#354 of 2596
Top 13.6% in <100M tier
393
Loan-to-Share Ratio
balance_sheet
Value:
86.07%
Peer Avg: 61.23%
#393 of 2596
Top 15.1% in <100M tier
Top Weaknesses (3 metrics)
2433
Net Interest Margin (NIM)
profitability
Value:
2.40%
Peer Avg: 3.93%
#2433 of 2596
Bottom 6.3% in <100M tier
2378
Fee Income Per Member
profitability
Value:
$1.41
Peer Avg: $182.96
#2378 of 2596
Bottom 8.4% in <100M tier
2095
Total Members
engagement
Value:
684
Peer Avg: 2,626
#2095 of 2596
Bottom 19.3% in <100M tier