BlastPoint's Credit Union Scorecard

SEA AIR

Charter #7817 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

SEA AIR has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Worth Ratio: Top 1.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 1.40% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	6,277 +2.3% YoY+0.2% QoQ	-8.9K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 7.7% in tier
Assets	$118.2M -3.1% YoY+0.7% QoQ	$-113.5M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Bottom 12.6% in tier
Loans	$47.5M +9.6% YoY-1.6% QoQ	$-96.7M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Bottom 5.3% in tier
Deposits	$90.0M -3.3% YoY+1.3% QoQ	$-111.1M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	Bottom 3.5% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-0.7% -43.9% YoY-30.7% QoQ	-1.4%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 1.9% in tier
NIM	2.3% +39.6% YoY+15.6% QoQ	-1.4%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Bottom 2.4% in tier
Efficiency Ratio	109.9% -22.0% YoY-12.4% QoQ	+31.9%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 1.1% in tier
Delinquency Rate	1.8% +123.9% YoY-33.1% QoQ	+1.1	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Bottom 6.6% in tier
Loan To Share	52.7% +13.4% YoY-2.9% QoQ	-17.7%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Bottom 14.7% in tier
AMR	$21,902 -1.5% YoY+0.1% QoQ	$-3K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	44%
CD Concentration	28.9% -2.1% YoY-1.6% QoQ	+4.6%	24.3%	21.6%	19.8%	50%
Indirect Auto %	26.1% +21.0% YoY-4.4% QoQ	+12.3%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Credit Quality Pressure

risk

#28 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 1.02% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#25 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.60%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 1.02% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Liquidity Overhang

risk

#10 of 126 • Bottom 50.0% in tier

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

Why This Signature

Net Worth Ratio: 23.70%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 52.74%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank worsening

Efficiency Drag

risk

#147 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 109.93%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.53% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 2.26%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Deposit Outflow

decline

#48 of 72 • Bottom 50.0% 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): -3.33%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 2.26%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Shrinking Wallet Share

decline

#177 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -1.46%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#474 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): -3.05%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 26.09%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.26%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 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 1070 peers in tier

Top Strengths (3 metrics)

Net Worth Ratio

risk

Value: 23.70%

Peer Median: 11.45%

#12 of 1070 Top 1.0% in 100M-500M tier

197

Loan Growth Rate

growth

Value: 9.60%

Peer Median: 2.93%

#197 of 1070 Top 18.3% in 100M-500M tier

234

Members Per Employee (MPE)

engagement

Value: 392.312

Peer Median: 309.176

#234 of 1070 Top 21.8% in 100M-500M tier

Top Weaknesses (14 metrics)

1059

Efficiency Ratio

profitability

Value: 109.93%

Peer Median: 78.68%

#1059 of 1070 Bottom 1.1% in 100M-500M tier

1050

Return on Assets (ROA)

profitability

Value: -0.67%

Peer Median: 0.69%

#1050 of 1070 Bottom 2.0% in 100M-500M tier

1044

Net Interest Margin (NIM)

profitability

Value: 2.28%

Peer Median: 3.62%

#1044 of 1070 Bottom 2.5% in 100M-500M tier

1033

Total Deposits

balance_sheet

Value: $90.01M

Peer Median: $171.29M

#1033 of 1070 Bottom 3.6% in 100M-500M tier

1013

Total Loans

balance_sheet

Value: $47.47M

Peer Median: $121.41M

#1013 of 1070 Bottom 5.4% in 100M-500M tier

1007

Asset Growth Rate

growth

Value: -3.05%

Peer Median: 3.91%

#1007 of 1070 Bottom 6.0% in 100M-500M tier

1000

Total Delinquency Rate (60+ days)

risk

Value: 1.84%

Peer Median: 0.61%

#1000 of 1070 Bottom 6.6% in 100M-500M tier

999

Deposit Growth Rate

growth

Value: -3.33%

Peer Median: 3.30%

#999 of 1070 Bottom 6.7% in 100M-500M tier

988

Total Members

engagement

Value: 6,277

Peer Median: 13,200

#988 of 1070 Bottom 7.8% in 100M-500M tier

935

Total Assets

balance_sheet

Value: $118.19M

Peer Median: $196.57M

#935 of 1070 Bottom 12.7% in 100M-500M tier