Federal credit union · Seal Beach, California · NCUA charter #7817
Sea Air
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $117.4M
- Total assets
- 6,266
- Members
- 23.7%
- Net-worth ratio
Sea Air scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $117.4M; members 6,266; net-worth ratio 23.70%; health rank #4,047 of 4,374; healthier than 7th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,047 of 4,374 health · 2025Q4Sea Air · health 60/100 · $117.4M · 2025Q4
- MEM 60/100
- RANK 23.7%
- PHOTO 2.75%
- BOOK -0.95%
- CHARTER $117.4M
- NCUSIF 6,266
- CAMELS #4,047/4,374
- HEALTH CASCO
- NW 7817
Call Report peers
Sea Air in the assets neighbourhood
Sea Air's $117.4M assets sit next to CASCO ($117.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Sea Air 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
60 7th percentile higher than 7% 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
Sea Air - Share Insurance Coverage
Charter #7817's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Sea Air diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +11.59 pp (23.70% vs 12.11%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -17.91 pp (54.29% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for Sea Air
- Health composite ranks #233 of 243 among scored California credit unions.
- Assets rank #141 of 243 inside California ($117.4M reported).
- Member book place in California: #146 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Sea Air's 5300 filing moved
Sea Air: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $117.4M (2025Q4) to $118.2M (2026Q1).
- Net-worth ratio shifted -0.32 pp (24.02% → 23.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
23.70% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 60/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.8 pts
- Return on Assets 0.0 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 11.1 pts
Sea Air health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.70% | +11.59 pp |
| Delinquency Rate | 2.75% | +1.86 pp |
| Return on Assets | -0.95% | -1.57 pp |
| Member Growth | 1.72% | - |
| Loan-to-Share Ratio | 54.29% | -17.91 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Sea Air quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $118.2M | - |
| 2025Q4 | $117.4M | 6,266 |
| 2024Q4 | $121.6M | 6,160 |
| 2023Q4 | $124.9M | 6,262 |
Credit Union Details
- Charter Number
- 7817
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- Seal Beach
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Sea Air runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Seal Beach (Main Office) | Seal Beach, CA |
| Los Alamitos | Los Alamitos, CA |
| Corona | Norco, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Sea Air nationwide neighbourhoods
Cross-state asset and health neighbours for Sea Air - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($117.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
Using this data
- Sea Air ranks #4,047 of 4,374 nationally on financial health and #233 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Smw 104 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Smw 104
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 Sea Air financially healthy?
A 23.70% net worth ratio and a 2.75% delinquency rate feed into Sea Air's financial health score of 60/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,047 of 4,374; by total assets it ranks #1,692 of 4,374 nationally (same basis as /rankings/largest); and #141 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Sea Air compare to other credit unions?
Sea Air scores 60/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Sea Air?
Sea Air operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Sea Air directly for the exact boundaries and application steps.
Is my money safe at Sea Air?
Federal credit unions like Sea Air 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. Sea Air's net worth ratio of 23.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sea Air offer compared to banks?
Credit unions like Sea Air 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 Sea Air 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.