SEA WEST COAST GUARD
Charter #12814 · OAKLAND, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 19.89% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.13% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 1.93% sits at the 2nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.10% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.05% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SEA WEST COAST GUARD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $381.80M | 87th pct | 79th pct |
| Members | 11,519 | 41th pct | 34th pct |
| Net worth ratio | 19.89% | 97th pct | 89th pct |
| Return on average assets | 0.13% | 13th pct | 5th pct |
| Net interest margin | 1.93% | 1th pct | 2th pct |
| Cost of funds | 1.36% | 59th pct | 54th pct |
| Loan-to-share | 78.80% | 65th pct | 56th pct |
| Delinquency 60+ days | 0.10% | 7th pct | 8th pct |
| Net charge-off ratio | 0.05% | 12th pct | 10th pct |
| Loan growth YoY | -0.58% | 41th pct | 31th pct |
| Share growth YoY | -1.39% | 4th pct | 7th pct |
| Efficiency ratio | 92.49% | 90th pct | 92th pct |
structural peer set hash: f47d27706dc604b05d7f35a72331812b… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.