Sea Air Seal Beach, CA · Charter 7817 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 3 branches
Q2 2026
$118.8M Assets
$45.1M Loans
$90.8M Shares
$27.8M Net Worth
Executive Summary Strongest standing: tier 1 capital ratio outperforms 89% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 7 of 62). Widest gap: return on assets trails 92% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 57 of 62). Overall: at or above the peer median on 2 of 7 directional measures. Return on Assets
-0.69%
Rank 57 of 62
Net Interest Margin
2.32%
Rank 56 of 62
Efficiency Ratio
111.60%
Rank 57 of 62
Equity / Assets
23.39%
Rank 7 of 62
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets -0.69% 0.01% 0.47% 0.92% Beats 8% 57 / 62 Return on Equity -2.94% 0.18% 3.35% 5.66% Beats 13% 54 / 62 Net Interest Margin 2.32% 2.88% 3.31% 3.93% Beats 10% 56 / 62 Efficiency Ratio 111.60% 71.17% 84.14% 92.47% Beats 10% 57 / 62 Asset Quality Nonperforming Loans / Loans 1.87% 0.22% 0.52% 0.99% Beats 11% 56 / 62 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 23.39% 9.30% 12.20% 16.33% Beats 89% 7 / 62 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 23.39% 9.30% 12.20% 16.33% Beats 89% 7 / 62 Liquidity & Funding Loans / Deposits 49.64% 48.69% 57.00% 84.55% 27th pctl 45 / 62 Loans / Assets 37.93% 42.93% 53.05% 69.62% 21st pctl 49 / 62 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11