Federal credit union · ELIZABETH, New Jersey · NCUA charter #19185
SEAPORT
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $106.1M
- Total assets
- 5,636
- Members
- 13.2%
- Net-worth ratio
SEAPORT scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $106.1M; members 5,636; net-worth ratio 13.21%; health rank #485 of 4,374; healthier than 87th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#485 of 4,374 health · 2025Q4SEAPORT · health 94/100 · $106.1M · 2025Q4
Call Report peers
SEAPORT in the assets neighbourhood
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SEAPORT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SEAPORT sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for SEAPORT
- Largest favorable gap: Net Worth Ratio at 13.21% vs peer 12.11% (+1.10 pp).
- Loan-to-Share Ratio trails the peer set - 51.79% here, 72.20% peer average (-20.41 pp).
New Jersey standing for SEAPORT
- In New Jersey, health place is #4 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #28 of 127 inside New Jersey ($106.1M reported).
- New Jersey membership ordinal: #35 of 127.
- One place up in New Jersey, MAUN (#3) scores 95/100, 1 point higher; one place down, P.S.E. & G. Nuclear Employees (#5) scores 92/100, 2 points lower.
SEAPORT: 2025Q4 → 2026Q1
SEAPORT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $106.1M (2025Q4) to $108.3M (2026Q1).
- Net-worth ratio shifted -0.28 pp (13.49% → 13.21%).
At 13.21%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
SEAPORT gives up 6 points in total. Loan-to-Share Ratio costs the most, 4.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.1 pts
- Loan-to-Share Ratio 10.9 pts
SEAPORT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.21% | +1.10 pp |
| Delinquency Rate | 0.36% | -0.54 pp |
| Return on Assets | 1.05% | +0.43 pp |
| Member Growth | 3.39% | - |
| Loan-to-Share Ratio | 51.79% | -20.41 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
SEAPORT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $108.3M | - |
| 2025Q4 | $106.1M | 5,636 |
| 2024Q4 | $97.3M | 5,451 |
| 2023Q4 | $87.8M | 5,481 |
Credit Union Details
- Charter Number
- 19185
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- ELIZABETH
- Data Quarter
- 2025Q4
Branch Locations (4)
SEAPORT operates 4 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Seaport Federal Credit Union (Main Office) | Elizabeth, NJ |
| Seaport Federal Credit Union | Elizabeth, NJ |
| Fiserv | Frisco, TX |
| Seaport Federal Credit Union | Jersey City, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for SEAPORT
Using this data
- SEAPORT ranks #485 of 4,374 nationally on financial health and #4 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Advanced Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Advanced Financial
Frequently Asked Questions
Is SEAPORT financially healthy?
SEAPORT has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #485 of 4,374 nationally on health and #4 of 127 in New Jersey. Its net worth ratio is 13.21% and its delinquency rate 0.36%.
How does SEAPORT compare to other credit unions?
SEAPORT scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.21% vs 12.11%). Its widest shortfall is loan-to-share ratio (51.79% vs 72.20%).
How can I join SEAPORT?
SEAPORT 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 SEAPORT directly for the exact boundaries and application steps.
Is my money safe at SEAPORT?
SEAPORT 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. SEAPORT's net worth ratio of 13.21% 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.