SEAPORT
Charter #19185 · ELIZABETH, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,698 sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 0.02% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 3.33% sits at the 20th percentile of structural peers — worth a closer look.
- Efficiency ratio of 97.75% sits at the 97th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 14th percentile but its structural peers at the 39th — a 26-point gap showing why the peer definition matters.
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 | SEAPORT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $108.34M | 6th pct | 21th pct |
| Members | 5,698 | 5th pct | 11th pct |
| Net worth ratio | 13.21% | 71th pct | 67th pct |
| Return on average assets | 0.02% | 9th pct | 7th pct |
| Net interest margin | 3.33% | 31th pct | 20th pct |
| Cost of funds | 0.84% | 30th pct | 46th pct |
| Loan-to-share | 51.73% | 14th pct | 39th pct |
| Delinquency 60+ days | 0.75% | 61th pct | 61th pct |
| Net charge-off ratio | 0.19% | 29th pct | 26th pct |
| Loan growth YoY | 6.95% | 94th pct | 95th pct |
| Share growth YoY | 8.65% | 94th pct | 98th pct |
| Efficiency ratio | 97.75% | 96th pct | 97th pct |
structural peer set hash: db85c62dee3f43c8ca481d338dfa3be0… (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.