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
Call Report peers
Sea Air in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Sea Air sits in 60-64 with 179 others.
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
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%).
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.
- One place up in California, Universal City Studios (#232) scores 61/100, 1 point higher; one place down, TECHNICOLOR (#234) ties at 60/100.
How Sea Air's 5300 filing moved
Sea Air: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $117.4M (2025Q4) to $118.2M (2026Q1).
- Net-worth ratio shifted -0.32 pp (24.02% → 23.70%).
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
Sea Air gives up 40 points in total. Delinquency Rate costs the most, 17.2 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Sea Air financially healthy?
Sea Air has a financial health score of 60/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,047 of 4,374 nationally on health and #233 of 243 in California. Its net worth ratio is 23.70% and its delinquency rate 2.75%.
How does Sea Air compare to other credit unions?
Sea Air scores 60/100, higher than 7% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (23.70% vs 12.11%). Its widest shortfall is loan-to-share ratio (54.29% vs 72.20%).
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?
Sea Air is a federal 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. Sea Air's net worth ratio of 23.70% 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.