SEA AIR
Charter #7817 · Seal Beach, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 23.70% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.67% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 2.28% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 1.61% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.84% sits at the 89th 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 | SEA AIR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $118.19M | 13th pct | 59th pct |
| Members | 6,277 | 8th pct | 44th pct |
| Net worth ratio | 23.70% | 99th pct | 95th pct |
| Return on average assets | -0.67% | 2th pct | 2th pct |
| Net interest margin | 2.28% | 2th pct | 0th pct |
| Cost of funds | 1.61% | 73th pct | 85th pct |
| Loan-to-share | 52.74% | 15th pct | 41th pct |
| Delinquency 60+ days | 1.84% | 94th pct | 89th pct |
| Net charge-off ratio | 0.62% | 74th pct | 70th pct |
| Loan growth YoY | 1.44% | 61th pct | 75th pct |
| Share growth YoY | 0.34% | 12th pct | 21th pct |
| Efficiency ratio | 109.93% | 99th pct | 98th pct |
structural peer set hash: f16df8371a0bcea2eca3f2c9e50c019f… (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.