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.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#78 of 4,374 health · 2025Q4S E a · health 98/100 · $7.0M · 2025Q4
- HEALTH 98/100
- NW 19.4%
- DELQ 0.00%
- ROA 0.49%
- ASSETS $7.0M
- MEM 681
- RANK #78/4,374
- PHOTO n/a
- BOOK 67149
Call Report peers
S E a carries $7.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67149: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for S E a
S E a: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $7.0M (2025Q4) to $7.2M (2026Q1).
- Net-worth ratio shifted -0.49 pp (19.84% → 19.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
S E a's nationwide photo peers by assets and by health score, excluding Utah charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Utah credit unions compare overall before assuming this one is typical. Utah state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is S E a financially healthy?
S E a scores 98/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #78 of 4,374; by total assets it ranks #3,730 of 4,374 nationally (same basis as /rankings/largest); and #43 of 53 within Utah. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 19.35% net worth ratio and a 0.00% delinquency rate.
How does S E a compare to other credit unions?
PlainCU's health composite puts S E a at 98/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like S E a are 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."
What rates does S E a offer compared to banks?
Credit unions like S E a are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact S E a directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.