BlastPoint's Credit Union Scorecard
SEA AIR
Charter #7817 · CA
SEA AIR has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Overhang: 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 1.73% below tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,266
+1.7% YoY+0.8% QoQ
|
-9.2K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 6.9% in tier |
| Assets |
$117.4M
-3.5% YoY-0.7% QoQ
|
$-114.5M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.8% in tier |
| Loans |
$48.2M
+10.8% YoY+3.1% QoQ
|
$-99.1M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.0% in tier |
| Deposits |
$88.9M
-4.1% YoY-1.0% QoQ
|
$-112.0M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.2% in tier |
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| ROA |
-1.0%
+6.3% YoY+1.6% QoQ
|
-1.7% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.4% in tier |
| NIM |
2.0%
+26.0% YoY+4.8% QoQ
|
-1.6% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.9% in tier |
| Efficiency Ratio |
125.4%
-13.9% YoY-0.9% QoQ
|
+48.4% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.5% in tier |
| Delinquency Rate |
2.8%
+58.2% YoY+1155.1% QoQ
|
+1.9 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.2% in tier |
| Loan To Share |
54.3%
+15.6% YoY+4.1% QoQ
|
-17.9% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.5% in tier |
| AMR |
$21,878
-1.1% YoY-0.4% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration |
29.3%
-4.1% YoY-1.6% QoQ
|
+4.9% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
27.3%
+28.3% YoY+0.9% QoQ
|
+13.5% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)