BlastPoint's Credit Union Scorecard
SEA AIR
Charter #7817 · CA
SEA AIR has 2 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 45.7% in tier
- + Net Worth Ratio: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.0% in tier
- - Liquidity Overhang: Bottom 4.5% in tier
- - Indirect Auto Dependency: Bottom 29.4% in tier
- - Deposit Outflow: Bottom 62.5% in tier
- - ROA 1.74% below tier average
- - Efficiency ratio 49.29% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 1.9% in tier
- - Total Deposits: Bottom 2.7% in tier
- - Total Loans: Bottom 4.5% in tier
- - Deposit Growth Rate: Bottom 5.8% in tier
- - Asset Growth Rate: Bottom 6.4% in tier
- - Total Members: Bottom 6.5% in tier
- - Fee Income Per Member: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,214
+0.1% YoY-0.1% QoQ
|
-9.4K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 6.4% in tier |
| Assets |
$118.3M
-3.2% YoY-0.9% QoQ
|
$-113.0M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.4% in tier |
| Loans |
$46.8M
+8.2% YoY-1.6% QoQ
|
$-101.0M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.4% in tier |
| Deposits |
$89.7M
-3.2% YoY-1.1% QoQ
|
$-110.6M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-1.0%
+1.3% YoY-8.0% QoQ
|
-1.7% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.0% in tier |
| NIM |
1.9%
+20.9% YoY+5.7% QoQ
|
-1.7% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.9% in tier |
| Efficiency Ratio |
126.6%
-13.7% YoY-3.6% QoQ
|
+49.3% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 0.2% in tier |
| Delinquency Rate |
0.2%
-87.9% YoY-29.4% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 12.3% in tier |
| Loan To Share |
52.2%
+11.8% YoY-0.5% QoQ
|
-20.5% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.4% in tier |
| AMR |
$21,967
+0.4% YoY-1.1% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
47% |
| CD Concentration |
29.8%
-1.9% YoY-2.8% QoQ
|
+5.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
27.0%
+31.8% YoY+1.3% QoQ
|
+13.1% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)