Federal credit union · ATCHISON, Kansas · NCUA charter #3869
Eagle
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $1.7M
- Total assets
- 310
- Members
- 9.2%
- Net-worth ratio
Eagle - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3869. See our deposit-insurance coverage note.
Eagle - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)93
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)71
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.19% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.19% | 30% |
| Delinquency Rate | 0.06% | 25% |
| Return on Assets | 1.92% | 15% |
| Member Growth | -8.28% | 15% |
| Loan-to-Share Ratio | 50.51% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.7M | 310 |
| 2024Q4 | $1.8M | 338 |
| 2023Q4 | $1.9M | 333 |
Credit Union Details
- Charter Number
- 3869
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Kansas
- City
- ATCHISON
- Data Quarter
- 2025Q4
What This Data Says About Eagle
Headquartered in ATCHISON, Kansas, Eagle is a federal credit union with 310 members, $1.7M in total assets, and $772K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 79/100 (Very Good), driven in part by a net worth ratio of 9.19% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #3869 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 0.06% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 50.51% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.92% on net income of $33K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -8.28%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Kansas
More federally-insured credit unions based in Kansas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Eagle financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Eagle carries a financial health score of 79/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.19% net worth ratio and a 0.06% delinquency rate.
How does Eagle compare to other credit unions?
Five weighted metrics from NCUA filings produce Eagle's 79/100 score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Eagle?
Eagle 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 Eagle directly for the exact boundaries and application steps.
Is my money safe at Eagle?
Federal credit unions like Eagle 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. Eagle's net worth ratio of 9.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Eagle offer compared to banks?
Credit unions like Eagle 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 Eagle directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.