Federal credit union · POCATELLO, Idaho · NCUA charter #517
SEI
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $33.5M
- Total assets
- 3,162
- Members
- 8.2%
- Net-worth ratio
SEI scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.5M; members 3,162; net-worth ratio 8.15%; health rank #3,788 of 4,374; healthier than 13th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,788 of 4,374 health · 2025Q4SEI · health 67/100 · $33.5M · 2025Q4
- BOOK 67/100
- CHARTER 8.2%
- NCUSIF 1.55%
- CAMELS 0.01%
- HEALTH $33.5M
- NW 3,162
- DELQ #3,788/4,374
- ROA Oteen V. a.
- ASSETS 517
Call Report peers
SEI in the assets neighbourhood
SEI's $33.5M assets sit next to Oteen V. a. ($33.5M) 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.
SEI 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
67 13th percentile higher than 13% 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
SEI - Share Insurance Coverage
Charter #517's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
SEI vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +32.64 pp (92.44% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -6.71 pp (8.15% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SEI in Idaho
- In Idaho, health place is #24 of 26 on the same NCUA-ratio sort used nationally.
- Idaho assets place: #22 of 26.
- Membership ranks #22 of 26 among Idaho CUs with a reported count (3,162 members).
In-state ordinals use the live credit_unions table for ID only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for SEI
SEI: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $33.5M (2025Q4) to $33.7M (2026Q1).
- Net-worth ratio shifted -0.04 pp (8.19% → 8.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.15%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 25.4 pts
- Delinquency Rate 15.9 pts
- Return on Assets 4.9 pts
- Member Growth 7.2 pts
- Loan-to-Share Ratio 13.6 pts
SEI vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.15% | -6.71 pp |
| Delinquency Rate | 1.55% | +0.41 pp |
| Return on Assets | 0.01% | -0.70 pp |
| Member Growth | -1.00% | - |
| Loan-to-Share Ratio | 92.44% | +32.64 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
SEI quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $33.7M | - |
| 2025Q4 | $33.5M | 3,162 |
| 2024Q4 | $32.4M | 3,194 |
| 2023Q4 | $32.5M | 3,217 |
Credit Union Details
- Charter Number
- 517
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Idaho
- City
- POCATELLO
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for SEI, spread across 2 cities.
| Office | City |
|---|---|
| Main (Main Office) | Pocatello, ID |
| Blackfoot | Blackfoot, ID |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Idaho
Other federally-insured credit unions in Idaho, closest first by peer group and asset size.
Cross-state Call Report peers for SEI
Two NCUA Call Report peer sets for SEI, both outside Idaho 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 ($33.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- SEI ranks #3,788 of 4,374 nationally on financial health and #24 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St Joe Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St Joe Valley
- Rates and health both vary by institution, not just by state -- see how Idaho credit unions compare overall before assuming this one is typical. Idaho 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 SEI financially healthy?
Yes/no aside, the number is 67/100 (Good) - SEI's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,788 of 4,374; by total assets it ranks #2,759 of 4,374 nationally (same basis as /rankings/largest); and #22 of 26 within Idaho. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.15% net worth ratio and 1.55% delinquency rate are the key drivers.
How does SEI compare to other credit unions?
On PlainCU's health composite, SEI lands at 67/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 SEI?
SEI 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 SEI directly for the exact boundaries and application steps.
Is my money safe at SEI?
Federal credit unions like SEI 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. SEI's net worth ratio of 8.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SEI offer compared to banks?
Credit unions like SEI 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 SEI 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.