Federal credit union · OAKLAND, California · NCUA charter #12814
Sea West Coast Guard
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $386.2M
- Total assets
- 11,478
- Members
- 19.9%
- Net-worth ratio
Sea West Coast Guard scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $386.2M; members 11,478; net-worth ratio 19.89%; health rank #2,813 of 4,374; healthier than 33rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,813 of 4,374 health · 2025Q4Sea West Coast Guard · health 79/100 · $386.2M · 2025Q4
Call Report peers
Sea West Coast Guard in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Sea West Coast Guard vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Sea West Coast Guard sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Sea West Coast Guard vs $100M–$500M peers
- Largest favorable gap: Net Worth Ratio at 19.89% vs peer 12.11% (+7.78 pp).
- Return on Assets trails the peer set - -0.28% here, 0.62% peer average (-0.90 pp).
Sea West Coast Guard in California
- In California, health place is #166 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #98 of 243 inside California ($386.2M reported).
- Member book place in California: #119 of 243.
- One place up in California, L. a. Electrical Workers Credit Un. (#165) ties at 79/100; one place down, SILVERADO (#167) ties at 79/100.
Sea West Coast Guard Call Report trajectory
Sea West Coast Guard: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $386.2M (2025Q4) to $381.8M (2026Q1).
- Net-worth ratio shifted +0.26 pp (19.63% → 19.89%).
19.89% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Sea West Coast Guard gives up 21 points in total. Return on Assets costs the most, 13 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 2.0 pts
- Member Growth 7.2 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.89% | +7.78 pp |
| Delinquency Rate | 0.03% | -0.87 pp |
| Return on Assets | -0.28% | -0.90 pp |
| Member Growth | -1.01% | - |
| Loan-to-Share Ratio | 78.27% | +6.07 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Sea West Coast Guard filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $381.8M | - |
| 2025Q4 | $386.2M | 11,478 |
| 2024Q4 | $397.3M | 11,595 |
| 2023Q4 | $403.1M | 11,519 |
Credit Union Details
- Charter Number
- 12814
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- OAKLAND
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Sea West Coast Guard, spread across 5 cities in 2 states.
| Office | City |
|---|---|
| Oakland Main Office (Main Office) | Oakland, CA |
| Alameda Service Center | Alameda, CA |
| CUSC | Fort Worth, TX |
| Fiserv Solutions, Inc. | Frisco, TX |
| Petaluma Service Center | Petaluma, 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 West Coast Guard nationwide neighbourhoods
Using this data
- Sea West Coast Guard ranks #2,813 of 4,374 nationally on financial health and #166 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- POPA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with POPA
Frequently Asked Questions
Is Sea West Coast Guard financially healthy?
Sea West Coast Guard has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,813 of 4,374 nationally on health and #166 of 243 in California. Its net worth ratio is 19.89% and its delinquency rate 0.03%.
How does Sea West Coast Guard compare to other credit unions?
Sea West Coast Guard scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (19.89% vs 12.11%). Its widest shortfall is return on assets (-0.28% vs 0.62%).
How can I join Sea West Coast Guard?
Sea West Coast Guard 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 West Coast Guard directly for the exact boundaries and application steps.
Is my money safe at Sea West Coast Guard?
Sea West Coast Guard 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 West Coast Guard's net worth ratio of 19.89% 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.