Headquartered in Oakland, California, Sea West Coast Guard Federal Credit Union is a federal credit union with $377.9M in total assets and $299.9M in member shares and deposits as of Q2 2026. It operates 5 offices across 2 states. Its charter dates back to 1959.
Based on its Q2 2026 filing, Sea West Coast Guard Federal Credit Union scores 83/100, which we describe as strong. That is higher than 83% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 37th. Its strongest component is capital cushion (100/100; 20.17%), and its lowest is earnings (29/100; 0.22%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (79 → 83), mostly because the earnings component improved by 13 points.
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| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 79 |
| Q4 2024 | 79 |
| Q1 2025 | 79 |
| Q2 2025 | 79 |
| Q3 2025 | 82 |
| Q4 2025 | 81 |
| Q1 2026 | 81 |
| Q2 2026 | 83 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 19.43% |
| Q3 2024 | 19.29% |
| Q4 2024 | 19.06% |
| Q1 2025 | 19.08% |
| Q2 2025 | 19.45% |
| Q3 2025 | 19.67% |
| Q4 2025 | 19.63% |
| Q1 2026 | 19.89% |
| Q2 2026 | 20.17% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.01% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.14% |
| Q3 2024 | -0.19% |
| Q4 2024 | -0.27% |
| Q1 2025 | -0.19% |
| Q2 2025 | -0.10% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $377.9M | 20.17% | 0.01% | 0.22% | 79.4% |
| Q1 2026 | 81 | $381.8M | 19.89% | 0.10% | 0.13% | 78.8% |
| Q4 2025 | 81 | $386.2M | 19.63% | 0.03% | 0.02% | 78.3% |
| Q3 2025 | 82 | $385.9M | 19.67% | 0.02% | 0.06% | 78.2% |
| Q2 2025 | 79 | $388.2M | 19.45% | 0.08% | -0.10% | 79.0% |
| Q1 2025 | 79 | $395.7M | 19.08% | 0.02% | -0.19% | 79.0% |
| Q4 2024 | 79 | $397.3M | 19.06% | 0.00% | -0.27% | 79.2% |
| Q3 2024 | 79 | $396.2M | 19.29% | 0.01% | -0.19% | 80.0% |
| Q2 2024 | 80 | $394.8M | 19.43% | 0.00% | -0.14% | 80.1% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pasadena Federal Credit UnionCredit union Monrovia, CA | 73 out of 100, Strong | $375.0M | 11.1% | 0.28% | vs |
| Monterey Credit UnionCredit union Monterey, CA | 50 out of 100, Below average | $360.5M | 8.8% | 0.97% | vs |
| Matadors Community Credit UnionCredit union Northridge, CA | 68 out of 100, Moderate | $356.1M | 11.7% | 0.34% | vs |
| Popa Federal Credit UnionCredit union Cerritos, CA | 75 out of 100, Strong | $404.5M | 11.8% | 0.79% | vs |
| Cahp Credit UnionCredit union Sacramento, CA | 68 out of 100, Moderate | $406.7M | 8.9% | 0.10% | vs |
| Eagle Community Credit UnionCredit union Lake Forest, CA | 63 out of 100, Moderate | $409.2M | 9.9% | 0.49% | vs |
Deposit insurance
Is my money safe at Sea West Coast Guard Federal Credit Union?
Yes. Sea West Coast Guard Federal Credit Union is a federally insured credit union (NCUA charter #12814). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 16.3% of shares and deposits ($48.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 20.17%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
5 locations
Branches
Sea West Coast Guard Federal Credit Union lists 5 offices in 5 cities across 2 states. Most locations:
- Alameda, CA (1)
- Fort Worth, TX (1)
- Frisco, TX (1)
- Oakland, CA (1)
- Petaluma, CA (1)
HMDA 2025
Mortgage lending
In 2025, Sea West Coast Guard Federal Credit Union reported 80 home-loan applications under HMDA (LEI 5493001P38O8QXGI6503): 41 originated ($6,525,000 total), 15 denied, and 24 withdrawn or closed by the applicant. Its denial rate on decided applications was 26.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Sea West Coast Guard Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 12814
- RSSD ID
- 579887
- Primary regulator
- NCUA
- Established
- 1959
- Headquarters
- P. O. Box 4949, Oakland, CA 94605
- Employees
- 37
Quick answers
Sea West Coast Guard Federal Credit Union: common questions
Is Sea West Coast Guard Federal Credit Union NCUA insured?
Yes. Sea West Coast Guard Federal Credit Union is a federally insured credit union (NCUA charter #12814). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Sea West Coast Guard Federal Credit Union's TellerScore?
83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Sea West Coast Guard Federal Credit Union have?
5 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Oakland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Community Federal Credit UnionCredit union San Francisco, CA | 100 out of 100, Very strong | $15.2M | 32.6% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA | 87 out of 100, Very strong | $31.8M | 18.4% | 0.00% | vs |
| San Francisco Federal Credit UnionCredit union San Francisco, CA | 86 out of 100, Very strong | $1.6B | 13.6% | 0.15% | vs |
| San Francisco Lee Federal Credit UnionCredit union San Francisco, CA | 85 out of 100, Very strong | $10.7M | 53.3% | 0.00% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |