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
Call Report peers
SEABOARD in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); SEABOARD sits in 70-74 with 317 others.
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 vs $100M–$500M peers
- Largest lag: Loan-to-Share Ratio at 67.27% vs peer 72.20% (-4.93 pp).
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.
- One place up in Maine, Maine Solutions (#45) scores 75/100, 4 points higher; one place down, NORSTATE (#47) scores 67/100, 4 points lower.
SEABOARD Call Report trajectory
SEABOARD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $238.1M (2025Q4) to $242.9M (2026Q1).
- Net-worth ratio shifted -0.05 pp (8.86% → 8.81%).
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
SEABOARD gives up 29 points in total. Member Growth costs the most, 12.9 of its 15; Loan-to-Share Ratio loses the least, 0.6.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is SEABOARD financially healthy?
On its 2025Q4 NCUA 5300 filing, SEABOARD scores 71/100 (Very Good), with a 8.81% net worth ratio and 1.67% of loans delinquent. It ranks #3,552 of 4,374 nationally on health and #46 of 48 in Maine.
How does SEABOARD compare to other credit unions?
SEABOARD scores 71/100, higher than 18% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (67.27% vs 72.20%).
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?
SEABOARD 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. SEABOARD's net worth ratio of 8.81% 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.