S E A
Charter #67149 · Richfield, UT · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.47% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 3.58% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.82% ranks in the 20th 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 | S E A | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.25M | 82th pct | 61th pct |
| Members | 680 | 59th pct | 30th pct |
| Net worth ratio | 19.35% | 57th pct | 67th pct |
| Return on average assets | 0.90% | 68th pct | 54th pct |
| Net interest margin | 2.47% | 12th pct | 3th pct |
| Cost of funds | 3.58% | 99th pct | 98th pct |
| Loan-to-share | 73.89% | 68th pct | 46th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 18th pct |
| Loan growth YoY | -9.44% | 31th pct | 10th pct |
| Share growth YoY | 5.49% | 83th pct | 75th pct |
| Efficiency ratio | 63.82% | 19th pct | 20th pct |
structural peer set hash: cec23f2c35cdc1da1724990435044eb7… (reproducible)
Closest structural peers
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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.