Federal credit union · BUCKSPORT, Maine · NCUA charter #4118
SEABOARD
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $238.1M
- Total assets
- 13,287
- Members
- 8.8%
- Net-worth ratio
SEABOARD scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $238.1M; members 13,287; net-worth ratio 8.81%; health rank #3,552 of 4,374; healthier than 18th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,552 of 4,374 health · 2025Q4SEABOARD · health 71/100 · $238.1M · 2025Q4
- ASSETS 71/100
- MEM 8.8%
- RANK 1.67%
- PHOTO 0.36%
- BOOK $238.1M
- CHARTER 13,287
- NCUSIF #3,552/4,374
- CAMELS STERLING
- HEALTH 4118
Call Report peers
SEABOARD in the assets neighbourhood
SEABOARD's $238.1M assets sit next to STERLING ($237.9M) 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.
SEABOARD 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
71 18th percentile higher than 18% 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
SEABOARD - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4118. See our deposit-insurance coverage note.
SEABOARD vs $100M–$500M peers
- Largest lag: Loan-to-Share Ratio at 67.27% vs peer 72.20% (-4.93 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Maine standing for SEABOARD
- Health composite ranks #46 of 48 among scored Maine credit unions.
- By total assets, SEABOARD is #22 of 48 in Maine.
- Maine membership ordinal: #23 of 48.
In-state ordinals use the live credit_unions table for ME only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SEABOARD Call Report trajectory
SEABOARD: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $238.1M (2025Q4) to $242.9M (2026Q1).
- Net-worth ratio shifted -0.05 pp (8.86% → 8.81%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.81%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 27.0 pts
- Delinquency Rate 15.0 pts
- Return on Assets 12.9 pts
- Member Growth 2.1 pts
- Loan-to-Share Ratio 14.0 pts
SEABOARD health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.81% | -3.30 pp |
| Delinquency Rate | 1.67% | +0.78 pp |
| Return on Assets | 0.36% | -0.26 pp |
| Member Growth | -3.84% | - |
| Loan-to-Share Ratio | 67.27% | -4.93 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).
SEABOARD quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $242.9M | - |
| 2025Q4 | $238.1M | 13,287 |
| 2024Q4 | $224.9M | 13,818 |
| 2023Q4 | $207.3M | 12,886 |
Credit Union Details
- Charter Number
- 4118
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- BUCKSPORT
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for SEABOARD, spread across 3 cities.
| Office | City |
|---|---|
| Bucksport (Main Office) | Bucksport, ME |
| Ellsworth | Ellsworth, ME |
| Hermon | Hermon, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
A look at other Maine credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for SEABOARD, both outside Maine 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 ($238.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- SEABOARD ranks #3,552 of 4,374 nationally on financial health and #46 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Dimensions is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Dimensions
- Rates and health both vary by institution, not just by state -- see how Maine credit unions compare overall before assuming this one is typical. Maine 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 SEABOARD financially healthy?
SEABOARD has a financial health score of 71/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,552 of 4,374; by total assets it ranks #1,174 of 4,374 nationally (same basis as /rankings/largest); and #22 of 48 within Maine. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.81% and delinquency rate of 1.67%.
How does SEABOARD compare to other credit unions?
PlainCU's health composite puts SEABOARD at 71/100, compared to a peer group average for $100M–$500M 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 SEABOARD?
SEABOARD 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 SEABOARD directly for the exact boundaries and application steps.
Is my money safe at SEABOARD?
Federal credit unions like SEABOARD 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. SEABOARD's net worth ratio of 8.81% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SEABOARD offer compared to banks?
Credit unions like SEABOARD 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 SEABOARD 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.