SEA AIR

Charter #7817 | CA

100M-500M (1077 CUs) Micro
63 100M-500M in CA

SEA AIR has 1 strength but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + 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 1.1% in tier
  • - Deposit Outflow: Bottom 10.5% in tier
  • - Indirect Auto Dependency: Bottom 29.4% 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
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
 47th in tier
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
 50th in tier
Indirect Auto % 27.0%
+31.8% YoY+1.3% QoQ
 +13.1% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk
#1 of 521 • Bottom 0.0% in tier

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

Why This Signature
Efficiency Ratio: 126.56%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.01% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Overhang

risk
#18 of 552 • Bottom 1.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 24.11%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 52.17%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Deposit Outflow

decline
#63 of 114 • Bottom 10.5% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -3.21%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $118.27M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#473 of 525 • Bottom 29.4% in tier

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

Why This Signature
Asset Growth (YoY): -3.19%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 27.04%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

10
Net Worth Ratio
risk
Value: 24.11%
Peer Avg: 12.15%
#10 of 1077 Top 0.8% in 100M-500M tier
134
Total Delinquency Rate (60+ days)
risk
Value: 0.22%
Peer Avg: 0.86%
#134 of 1077 Top 12.3% in 100M-500M tier
193
First Mortgage Concentration (%)
balance_sheet
Value: 13.72%
Peer Avg: 30.43%
#193 of 1077 Top 17.8% in 100M-500M tier
235
Loan Growth Rate
growth
Value: 8.22%
Peer Avg: 3.45%
#235 of 1077 Top 21.7% in 100M-500M tier

Top Weaknesses (13 metrics)

1076
Efficiency Ratio
profitability
Value: 126.56%
Peer Avg: 77.28%
#1076 of 1077 Bottom 0.2% in 100M-500M tier
1066
Return on Assets (ROA)
profitability
Value: -0.95%
Peer Avg: 0.79%
#1066 of 1077 Bottom 1.1% in 100M-500M tier
1057
Net Interest Margin (NIM)
profitability
Value: 1.88%
Peer Avg: 3.58%
#1057 of 1077 Bottom 1.9% in 100M-500M tier
1049
Total Deposits
balance_sheet
Value: $89.71M
Peer Avg: $200.29M
#1049 of 1077 Bottom 2.7% in 100M-500M tier
1030
Total Loans
balance_sheet
Value: $46.80M
Peer Avg: $147.80M
#1030 of 1077 Bottom 4.5% in 100M-500M tier
1016
Deposit Growth Rate
growth
Value: -3.21%
Peer Avg: 4.69%
#1016 of 1077 Bottom 5.8% in 100M-500M tier
1009
Asset Growth Rate
growth
Value: -3.19%
Peer Avg: 4.70%
#1009 of 1077 Bottom 6.4% in 100M-500M tier
1008
Total Members
engagement
Value: 6,214
Peer Avg: 15,628
#1008 of 1077 Bottom 6.5% in 100M-500M tier
985
Fee Income Per Member
profitability
Value: $83.57
Peer Avg: $174.31
#985 of 1077 Bottom 8.6% in 100M-500M tier
943
Loan-to-Share Ratio
balance_sheet
Value: 52.17%
Peer Avg: 72.70%
#943 of 1077 Bottom 12.5% in 100M-500M tier