State credit union · Richfield, Utah · NCUA charter #67149
S E a
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $7.0M
- Total assets
- 681
- Members
- 19.4%
- Net-worth ratio
S E a scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.0M; members 681; net-worth ratio 19.35%; health rank #78 of 4,374; healthier than 97th of scored peers.
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#78 of 4,374 health · 2025Q4S E a · health 98/100 · $7.0M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
S E a vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); S E a sits in 95-99 with 391 others.
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
S E a vs $2M–$10M peers
- Loan-to-Share Ratio leads the peer set - 81.67% here, 63.60% peer average (+18.07 pp).
Where S E a sits in Utah
- Utah health ordinal: #4 of 53.
- Utah assets place: #43 of 53.
- Utah membership ordinal: #47 of 53.
- One place up in Utah, Utah Community (#3) scores 99/100, 1 point higher; one place down, ELEVATE (#5) scores 97/100, 1 point lower.
Quarter path for S E a
S E a: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $7.0M (2025Q4) to $7.2M (2026Q1).
- Net-worth ratio shifted -0.49 pp (19.84% → 19.35%).
At 19.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 98/100 score is built
S E a gives up 2 points in total. Member Growth costs the most, 2.2 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.8 pts
- Member Growth 12.8 pts
- Loan-to-Share Ratio 15.4 pts
S E a vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.35% | +0.29 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.49% | +0.04 pp |
| Member Growth | 3.18% | - |
| Loan-to-Share Ratio | 81.67% | +18.07 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.2M | - |
| 2025Q4 | $7.0M | 681 |
| 2024Q4 | $6.2M | 660 |
| 2023Q4 | $5.8M | 656 |
Credit Union Details
- Charter Number
- 67149
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Utah
- City
- Richfield
- Data Quarter
- 2025Q4
Branch Location
S E a operates a single office in Richfield, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| SEA Credit Union (Main Office) | Richfield, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
Other federally-insured credit unions in Utah, closest first by peer group and asset size.
Cross-state Call Report peers for S E a
Similar health score
Using this data
- S E a ranks #78 of 4,374 nationally on financial health and #4 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gibbons and Reed Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gibbons and Reed Employees
Frequently Asked Questions
Is S E a financially healthy?
On its 2025Q4 NCUA 5300 filing, S E a scores 98/100 (Excellent), with a 19.35% net worth ratio and 0.00% of loans delinquent. It ranks #78 of 4,374 nationally on health and #4 of 53 in Utah.
How does S E a compare to other credit unions?
S E a scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (81.67% vs 63.60%).
How can I join S E a?
Membership eligibility for S E a depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact S E a directly for current membership requirements and application steps.
Is my money safe at S E a?
S E a is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. S E a's net worth ratio of 19.35% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.