S E A Credit Union

Credit UnionFISCURichfield, UT·Est. 1957·NCUA #67149Compare ⇄▤ Account brief

Total assets

$7.2M

▲ +11.5% YoY

Shares & deposits

$5.8M

▲ +13.7% YoY

Loans

$4.3M

▼ -3.8% YoY

Members

680

▲ +1.2% YoY

ROA (annualized)

0.89%

peers 0.60%

ROE (annualized)

4.58%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	S E A Credit Union	Peer median	Δ
Asset growth (YoY)	+11.5%	+1.3%	+10.2 pts
Share growth (YoY)	+13.7%	+0.7%	+13.0 pts
Loan growth (YoY)	-3.8%	-2.4%	-1.4 pts
ROA	0.89%	0.60%	+0.3 pts
ROE	4.6%	4.1%	+0.5 pts

ROA ranks in the 64th percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$7.2M	$5.8M	$4.3M	$1.4M	$16K	0.89%	2.43%	0.00%	680
Q4 2025	$7.0M	$5.6M	$4.6M	$1.4M	$39K	0.56%	2.19%	0.00%	681
Q3 2025	$6.9M	$5.5M	$4.8M	$1.4M	$37K	0.72%	2.35%	0.00%	684
Q2 2025	$6.7M	$5.3M	$4.7M	$1.4M	$27K	0.82%	2.48%	0.00%	677
Q1 2025	$6.5M	$5.1M	$4.5M	$1.4M	$12K	0.76%	2.56%	0.00%	672
Q4 2024	$6.2M	$4.9M	$4.4M	$1.3M	$34K	0.55%	2.26%	0.00%	660
Q3 2024	$6.2M	$4.9M	$4.4M	$1.3M	$24K	0.52%	2.21%	0.00%	661
Q2 2024	$5.9M	$4.6M	$4.4M	$1.3M	$20K	0.67%	2.45%	0.00%	654

Deposits up·Shares & deposits +13.7% YoY — Growing franchise; likely investing in capacity

Earlier quarters (3)

Profitability

Ratio	S E A Credit Union	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.89%	0.60%	64th
Return on equity Annualized net income ÷ equity or net worth	4.6%	4.1%	54th
Net interest margin Interest income − interest expense, ÷ assets	2.43%	3.83%

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Ratio	S E A Credit Union	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	S E A Credit Union	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	S E A Credit Union	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%