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
- ASSETS 79/100
- MEM 19.9%
- RANK 0.03%
- PHOTO -0.28%
- BOOK $386.2M
- CHARTER 11,478
- NCUSIF #2,813/4,374
- CAMELS Fort Sill
- HEALTH 12814
Call Report peers
Sea West Coast Guard in the assets neighbourhood
Sea West Coast Guard's $386.2M assets sit next to Fort Sill ($386.2M) 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 West Coast Guard 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
79 33rd percentile higher than 33% 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 West Coast Guard - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #12814: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Sea West Coast Guard Call Report trajectory
Sea West Coast Guard: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $386.2M (2025Q4) to $381.8M (2026Q1).
- Net-worth ratio shifted +0.26 pp (19.63% → 19.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
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 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
Two NCUA Call Report peer sets for Sea West Coast Guard, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($386.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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
- 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 West Coast Guard financially healthy?
A 19.89% net worth ratio and a 0.03% delinquency rate feed into Sea West Coast Guard's financial health score of 79/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,813 of 4,374; by total assets it ranks #889 of 4,374 nationally (same basis as /rankings/largest); and #98 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Sea West Coast Guard compare to other credit unions?
Sea West Coast Guard scores 79/100 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 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?
Federal credit unions like Sea West Coast Guard 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 West Coast Guard's net worth ratio of 19.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sea West Coast Guard offer compared to banks?
Credit unions like Sea West Coast Guard 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 West Coast Guard 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.