SEABOARD
Charter #4118 · BUCKSPORT, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.81% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 1.93% sits at the 93rd percentile of structural peers — worth a closer look.
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 | SEABOARD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $242.93M | 62th pct | 54th pct |
| Members | 13,367 | 51th pct | 43th pct |
| Net worth ratio | 8.81% | 11th pct | 20th pct |
| Return on average assets | 0.55% | 39th pct | 33th pct |
| Net interest margin | 3.26% | 26th pct | 26th pct |
| Cost of funds | 1.93% | 86th pct | 93th pct |
| Loan-to-share | 65.60% | 37th pct | 33th pct |
| Delinquency 60+ days | 0.84% | 68th pct | 66th pct |
| Net charge-off ratio | 0.26% | 38th pct | 44th pct |
| Loan growth YoY | -0.22% | 45th pct | 41th pct |
| Share growth YoY | 3.26% | 47th pct | 41th pct |
| Efficiency ratio | 81.05% | 59th pct | 54th pct |
structural peer set hash: f57e52d26c5cb078c190f30e46dcd37f… (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.