Credit Union Safety Analysis
Is Sea Air Federal Credit Union Safe? Seal Beach, California
Based on its Q2 2026 NCUA 5300 call report, Sea Air Federal Credit Union has a net worth ratio of 23.39%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.87%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Sea Air Federal Credit Union's net worth ratio is 23.39%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 23.39%
- Delinquency ratio (60+ days) (Q2 2026): 1.87%
- Return on assets (Q2 2026): -0.70%
- Loan-to-share ratio (Q2 2026): 49.64%
Sea Air Federal Credit Union (NCUA charter 7817, established 1952) reported $118.8M in assets and 6,254 members for Q2 2026 from Seal Beach, California. It ranks 141 of 238 credit unions in California by total assets. Total assets fell 0.5% from $119.4M on June 30, 2025. It has 31 more members than on June 30, 2025 (+0.5%). Its net worth ratio was down 0.67 percentage points from 24.06% on June 30, 2025. Used vehicle loans are its largest loan category, $17.3M of $45.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.87% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 23.70% for Q1 2026; 24.06% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.84% for Q1 2026; 0.31% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: -0.67% for Q1 2026; -0.88% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 52.74% for Q1 2026; 52.43% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $17.3M
- 1- to 4-family residential and other consumer real estate loans: $13.5M
- New vehicle loans: $6.6M
- Commercial loans: $3.9M
- Unsecured credit card loans: $1.9M
- Other unsecured loans and lines of credit: $823K
- Other secured non-real estate loans and lines of credit: $758K
- Non-federally guaranteed student loans: $204K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $118.8M | 23.39% | 1.87% | -0.70% | 49.64% |
| March 31, 2026 | $118.2M | 23.70% | 1.84% | -0.67% | 52.74% |
| December 31, 2025 | $117.4M | 24.02% | 2.75% | -1.00% | 54.29% |
| September 30, 2025 | $118.3M | 24.11% | 0.22% | -0.76% | 52.17% |
| June 30, 2025 | $119.4M | 24.06% | 0.31% | -0.88% | 52.43% |
| March 31, 2025 | $121.9M | 23.78% | 0.82% | -1.20% | 46.52% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Sea Air Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 7817) · FFIEC NIC profile (RSSD 93981)
Frequently asked questions
Is Sea Air Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Sea Air Federal Credit Union's net worth ratio is 23.39%, above the 7% NCUA threshold for well capitalized.
Is Sea Air Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Sea Air Federal Credit Union is a federally insured credit union (NCUA charter 7817): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Sea Air Federal Credit Union's key safety ratios?
For Q2 2026, Sea Air Federal Credit Union reports net worth 23.39%, delinquency 1.87%, ROA -0.70%, loan-to-share 49.64%.
What happens to my money if Sea Air Federal Credit Union fails?
For Q2 2026, Sea Air Federal Credit Union held $90.8M in shares and deposits for 6,254 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.