# S E A
Richfield, UT · NCUA charter 67149 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/s-e-a-67149

Who the members are: state charter, organized 1957. 680 members of 1,000 potential (68.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $7.2M |
| Members | 680 (1.2% YoY) |
| Full-time staff | 0 |
| Net worth | $1.4M |
| Net worth ratio | 19.4% (p72 of band) |
| ROA (annualized) | 0.89% (p65 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 74% (p73 of band) |
| Cash / assets | 40.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.43% (p8 of band) |
| Operating expense / assets | 1.56% (p5 of band) |
| Vehicles % of loans | 78% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $7,850 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $14,628 |
| Loans granted, annualized | $1.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 4 | net worth falling |  |
| 2017-09 | 3 |  | net worth falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 1 |  | delinquency 2x band |
| 2018-09 | 3 | delinquency 2x band, members leaving |  |
| 2018-12 | 2 |  | members leaving |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | delinquency 2x band |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze, loan book shrinking |  |
| 2020-09 | 3 |  | loan book shrinking |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | members leaving |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | net worth falling |  |
| 2023-06 | 3 | loans>95% of shares | net worth falling |
| 2023-09 | 4 | delinquency rising |  |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | members leaving |
| 2024-09 | 2 | net worth falling | loans>95% of shares |
| 2024-12 | 1 |  | net worth falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | net worth falling |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-22 [Rod Stewart pauses Utah concert after nearly fainting onstage - NBC News](https://news.google.com/rss/articles/CBMijAFBVV95cUxQV0ZxTVhkMUVyNGRsZnZiMkZYZTZDSHNEdW9NdEdxa1loOWZ1T2VhTGdPVVlIbUFHQWg3dUE5dnRGbUxpa0Z3T3Y4NmdQaThmZmtJV056c3FmaUp4ekVCZEp1RWdrUFk4N0ZydGk4NHFGZWUwY0VNaXVueEFyZ0FIZlIxd2FIUndZdEJndg?oc=5) · NBC News
- 2026-06-22 [Rod Stewart given oxygen at Utah show, claims he almost ‘fainted’ on stage - nxsmediawire.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNQ0dRYzlKaGRid2Y1Zmt2VE5zcEVOWWliTmhhaEN6TFVHWHpRQ19jWDZGZlBCVG1UekxyWk9CM25FNTRNeXgtMHl2Z2R1aGUzT0lOcmtDRkFoQjZaQTMweG1xMmpBYWhGV0Nzcm5qMHhpRFozVzBBa19zaWdVa2lfSmtJZ2RtdzN3T3ZPc2NQUEtFTDh2RFEzUlVXMmdWTEU3bmtaUkZBbEFRQQ?oc=5) · nxsmediawire.com
- 2026-06-20 [Rod Stewart Needs Oxygen Tank During Utah Concert, Video - TMZ](https://news.google.com/rss/articles/CBMigAFBVV95cUxPV1JNbm9tVWw3SjdpWkFQTzlicFMtRlFVSUFkODUzeEE4dVdhOG9adG5Yb1BwWmI2RkpHd2NxWTVhdmpTTXlSTjk4azhXNWNEMmhRaV9JMDRac21uNldybWhHSUtBRGJRNENGVmVYYWVodlJFblZtbG1ycmxpc3A3eg?oc=5) · TMZ
- 2026-06-21 [Rod Stewart pauses Utah concert to breathe through oxygen mask, reports say - 10TV](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQWmVsUjR4WkFjTmNtTURFZGZ1VEI5ZlYxMWY0cnBGVHQ5MDRabE5xSVg3RWszLWZsT0E2eDBwd1M2TXczQTVHVGcwNjY3cmtFTG1oblFoODB1Q0VLTXdMdE5kdzR2S2REYXZqS25WNC1lMTJjR2cwOE5XeGF2aWdBaktmemE0OXIxNFVGczNONU5OTTY5d3R4LXpLQWNiYzVzWFhaWGwzOTFDQjlqV3F0T0QzQmNiMFZfZXN3S0d4MlZjMGRrbVg3N3RMSEtadC1Ddmc?oc=5) · 10TV
- 2026-02-23 [Spiritbox Announce Tsunami Sea EU/UK Tour With Jinjer And Dying Wish - The Nu-Metal Agenda](https://news.google.com/rss/articles/CBMijgFBVV95cUxNamRKU0lpQXFxdXJ5YUZYcnNyNnhQZ3hnWldYWmE5bWNkX3U5aXBfemxJcVNHTnduZ0tzRGRlVkpUZE1UMF83NEcxcGVsMFFBa1p2T2Q2eEdrR01aWDUxNE95MEpSOUI0TVd4S2wxX2oya2tsYXc1TlRTdS1OS2dUNDJieXdqd3pGZlV1THFn?oc=5) · The Nu-Metal Agenda
- 2026-06-21 [Rod Stewart stops Utah concert to use oxygen tank onstage after nearly fainting - pagesix.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxQTG0xM3VreDVET2h2cG1leHk3X1Rod21QVHNzM3QzbFpXcHowSEtvSXRUNktOVFdOZ0pfd3dXRzR6LVF0SDdhVzdNS2dSMTBDbFlad2pIWWJNc2F5WnpTWlJoczhPc3ZfOVc2VGFpbEdRLXA5Yy1KSGNOZTctMEpVeTZnRUNxS0Y5a3NpVUtpMG5DYnRRdDhBMnMyTXZoN190cGRnUDVvQzJuRFFTNWROWDlXWEJtMXRRcGxGVkVDT3AxU2I2RVFV?oc=5) · pagesix.com
- 2026-06-24 [“The show must go. on. I nearly f***in’ fainted up there, I’m telling you”: Rod Stewart has to steady himself with a blast of oxygen during show in Utah - MusicRadar](https://news.google.com/rss/articles/CBMingJBVV95cUxNLUVUeWZVS2hneHRnOHg2TW1XWVcxLWVDUk5DWEptSE9pQWRzZ2RuUFg4ZlZneHpMMF9mM3RjcVZ6WldLcjdkQktiZjY2eHdoZXpUVmR5MlJIckYxQnFIbzJQMDRpRWRYeXpxZ1BJcmplOUZCNGJmd0JWOTN6aVlybjZ3M29lekxyWTZ1Vk1BenlMMTZhQld5cEFka2RrNmpEbzM0NUUxUnVRRFJ2Z1pXcG5VUVZBZ3h5RllIQlVfMHpFWWtjX2dYSDNXUU5XNWdvRFhVZV9HekZNYzJFV294ekVscERhVWljUmVkbUF6M1FxZVh1YTBhdE50RUk3QkZZd1dqbi1IMGFZdngtR3dLMlZXazdVVHphME8zaHd3?oc=5) · MusicRadar
- 2026-06-21 [Rod Stewart sparks health concern after mid-show medical intervention - Far Out Magazine](https://news.google.com/rss/articles/CBMiggFBVV95cUxQSVBINFdWRl94a1UySEFpTmhhS1pMbjkxOGotMlJNSk1YYlkxOUxmMjNnYVRUS0xCU3lXcmpoS2E1TFgzb2tUdTlWNjZhSTdTRS1YRGY5VDM5bkRSQ1VvTEhnQVFab3NmdnZxdXpjeUhqMTNNbEFjcTQzOFRBeXFybGZB?oc=5) · Far Out Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67149 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/13.json (key "67149", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67149
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide