BlastPoint's Credit Union Scorecard

SEA AIR

Charter #7817 · CA

100M-500M

1024 CUs in 100M-500M nationally 57 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 1.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.18% below tier average
- Efficiency ratio 34.90% above tier (higher cost structure)
- Delinquency rate 0.99% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
Shares and deposits +0.2% year over year ($90.8M in shares and deposits).
Membership: 6,254 members, +0.5% vs a year ago.
Delinquency rate 1.87%.
Return on assets 0.69%.
Efficiency ratio 111.64% vs a 76.73% peer average.
Loan-to-share ratio 49.64% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	6,254 +0.5% YoY-0.4% QoQ	-8.9K	15,168 -2.6% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	Bottom 7.5% in tier
Assets	$118.8M -0.5% YoY+0.5% QoQ	$-113.2M	$232.0M +0.7% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	Bottom 12.1% in tier
Loans	$45.1M -5.2% YoY-5.0% QoQ	$-101.2M	$146.3M +0.2% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	Bottom 4.3% in tier
Deposits	$90.8M +0.2% YoY+0.9% QoQ	$-109.9M	$200.7M +0.2% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	Bottom 3.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -166.3% YoY-202.4% QoQ	-0.2%	0.9% +12.5% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	44%
NIM	2.3% +30.7% YoY+2.1% QoQ	-1.4%	3.7% +4.5% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Bottom 2.3% in tier
Efficiency Ratio	111.6% -15.0% YoY+1.6% QoQ	+34.9%	76.7% -0.8% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	Bottom 0.7% in tier
Delinquency Rate	1.9% +502.6% YoY+1.6% QoQ	+1.0	0.9% +6.6% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	Bottom 8.4% in tier
Loan To Share	49.6% -5.3% YoY-5.9% QoQ	-21.9%	71.5% -0.3% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Bottom 10.8% in tier
AMR	$21,729 -2.2% YoY-0.8% QoQ	$-3K	$25,107 +3.2% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	42%
CD Concentration	30.1% -1.8% YoY+4.3% QoQ	+5.6%	24.6%	22.2%	20.0%	50%
Indirect Auto %	24.9% -6.7% YoY-4.5% QoQ	+11.3%	13.6%	9.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#20 of 693 • 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): 1.56% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Liquidity Overhang

risk

#12 of 130 • 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: 23.39%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 49.64%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank worsening

Efficiency Drag

risk

#87 of 531 • 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: 111.64%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 1.72% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 0.50%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#124 of 223 • 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): -2.16%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#425 of 476 • 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): -0.48%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 24.90%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 0.50%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (2 metrics)

Net Worth Ratio

risk

Value: 23.39%

Peer Median: 11.71%

#16 of 1024 Top 1.5% in 100M-500M tier

216

Members Per Employee (MPE)

engagement

Value: 390.875

Peer Median: 310.924

#216 of 1024 Top 21.0% in 100M-500M tier

Top Weaknesses (14 metrics)

1018

Efficiency Ratio

profitability

Value: 111.64%

Peer Median: 77.26%

#1018 of 1024 Bottom 0.7% in 100M-500M tier

1000

Net Interest Margin (NIM)

profitability

Value: 2.32%

Peer Median: 3.67%

#1000 of 1024 Bottom 2.4% in 100M-500M tier

986

Total Deposits

balance_sheet

Value: $90.81M

Peer Median: $170.77M

#986 of 1024 Bottom 3.8% in 100M-500M tier

980

Total Loans

balance_sheet

Value: $45.08M

Peer Median: $124.04M

#980 of 1024 Bottom 4.4% in 100M-500M tier

947

Total Members

engagement

Value: 6,254

Peer Median: 13,128

#947 of 1024 Bottom 7.6% in 100M-500M tier

939

Total Delinquency Rate (60+ days)

risk

Value: 1.87%

Peer Median: 0.71%

#939 of 1024 Bottom 8.4% in 100M-500M tier

927

Loan Growth Rate

growth

Value: -5.18%

Peer Median: 3.02%

#927 of 1024 Bottom 9.6% in 100M-500M tier

926

AMR Growth Rate

growth

Value: -2.16%

Peer Median: 3.53%

#926 of 1024 Bottom 9.7% in 100M-500M tier

923

Fee Income Per Member

profitability

Value: $85.99

Peer Median: $159.88

#923 of 1024 Bottom 10.0% in 100M-500M tier

913

Loan-to-Share Ratio

balance_sheet

Value: 49.64%

Peer Median: 73.07%

#913 of 1024 Bottom 10.9% in 100M-500M tier