BlastPoint's Credit Union Scorecard

SEA AIR

Charter #7817 · CA

1069 CUs in 100M-500M nationally 63 in CA

SEA AIR has 1 strength but faces 18 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 0.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.7% in tier
  • - Credit Risk Growth: Bottom 4.2% in tier
  • - Credit Quality Pressure: Bottom 5.3% in tier
  • - Liquidity Overhang: Bottom 6.7% in tier
  • - Deposit Outflow: Bottom 52.9% in tier
  • - Shrinking Wallet Share: Bottom 87.0% in tier
  • - Indirect Auto Dependency: Bottom 92.7% in tier
  • - ROA 1.73% below tier average
  • - Efficiency ratio 48.43% above tier (higher cost structure)
  • - Delinquency rate 1.86% above tier average
  • - Net Interest Margin (NIM): Bottom 2.0% in tier
  • - Total Deposits: Bottom 2.2% in tier
  • - Total Delinquency Rate (60+ days): Bottom 3.2% in tier
  • - Asset Growth Rate: Bottom 4.6% in tier
  • - Deposit Growth Rate: Bottom 4.6% in tier
  • - Total Loans: Bottom 5.1% in tier
  • - Total Members: Bottom 7.0% in tier
  • - Fee Income Per Member: Bottom 7.4% in tier

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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Tier 1
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Performance signatures (strengths & concerns)
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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
 Top 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
 Top 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)

No strengths identified

Concerns (7)

Efficiency Drag

risk
#5 of 538 • Bottom 0.7% in tier

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

Why This Signature
Efficiency Ratio: 125.45%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): -0.06% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 1.72%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 CUs YoY | Rank improving

Credit Risk Growth

risk
#20 of 456 • Bottom 4.2% in tier

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

Why This Signature
Loan Growth (YoY): 10.81%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 1.01% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally
→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk
#38 of 705 • Bottom 5.3% in tier

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

Why This Signature
Delinquency Change (YoY): 1.01% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | New qualifier

Liquidity Overhang

risk
#10 of 135 • Bottom 6.7% in tier

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

Why This Signature
Net Worth Ratio: 24.02%
(Tier: 11.97%, National: 14.49%)
but better than tier avg
Loan-to-Share Ratio: 54.29%
(Tier: 74.08%, National: 67.44%)
worse than tier avg
135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally
↑ Growing +17 CUs YoY | Rank worsening

Deposit Outflow

decline
#37 of 69 • Bottom 52.9% 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): -4.12%
(Tier: 5.05%, National: 13.79%)
worse than tier avg
Member Growth (YoY): 1.72%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally
→ No prior data (69 CUs now) | New qualifier

Shrinking Wallet Share

decline
#181 of 208 • Bottom 87.0% in tier

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

Why This Signature
AMR Growth (YoY): -1.05%
(Tier: 4.17%, National: 4.00%)
worse than tier avg
208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally
↓ Shrinking -190 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#469 of 506 • Bottom 92.7% in tier

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

Why This Signature
Asset Growth (YoY): -3.45%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Indirect Auto %: 27.28%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 1.72%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 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 1069 peers in tier

Top Strengths (4 metrics)

11
Net Worth Ratio
risk
Value: 24.02%
Peer Median: -
#11 of 1069 Top 0.9% in 100M-500M tier
149
Loan Growth Rate
growth
Value: 10.81%
Peer Median: -
#149 of 1069 Top 13.8% in 100M-500M tier
223
Members Per Employee (MPE)
engagement
Value: 391.625
Peer Median: -
#223 of 1069 Top 20.8% in 100M-500M tier
234
First Mortgage Concentration (%)
balance_sheet
Value: 15.55%
Peer Median: -
#234 of 1069 Top 21.8% in 100M-500M tier

Top Weaknesses (14 metrics)

1065
Efficiency Ratio
profitability
Value: 125.45%
Peer Median: -
#1065 of 1069 Bottom 0.5% in 100M-500M tier
1054
Return on Assets (ROA)
profitability
Value: -0.97%
Peer Median: -
#1054 of 1069 Bottom 1.5% in 100M-500M tier
1049
Net Interest Margin (NIM)
profitability
Value: 1.97%
Peer Median: -
#1049 of 1069 Bottom 2.0% in 100M-500M tier
1046
Total Deposits
balance_sheet
Value: $88.85M
Peer Median: -
#1046 of 1069 Bottom 2.2% in 100M-500M tier
1036
Total Delinquency Rate (60+ days)
risk
Value: 2.75%
Peer Median: -
#1036 of 1069 Bottom 3.2% in 100M-500M tier
1021
Asset Growth Rate
growth
Value: -3.45%
Peer Median: -
#1021 of 1069 Bottom 4.6% in 100M-500M tier
1021
Deposit Growth Rate
growth
Value: -4.12%
Peer Median: -
#1021 of 1069 Bottom 4.6% in 100M-500M tier
1016
Total Loans
balance_sheet
Value: $48.24M
Peer Median: -
#1016 of 1069 Bottom 5.1% in 100M-500M tier
995
Total Members
engagement
Value: 6,266
Peer Median: -
#995 of 1069 Bottom 7.0% in 100M-500M tier
991
Fee Income Per Member
profitability
Value: $82.75
Peer Median: -
#991 of 1069 Bottom 7.4% in 100M-500M tier
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