State credit union · Lake Forest, California · NCUA charter #66847
Eagle Community
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $393.4M
- Total assets
- 22,567
- Members
- 9.7%
- Net-worth ratio
Eagle Community scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $393.4M; members 22,567; net-worth ratio 9.66%; health rank #1,506 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,506 of 4,374 health · 2025Q4Eagle Community · health 88/100 · $393.4M · 2025Q4
- ROA 88/100
- ASSETS 9.7%
- MEM 0.65%
- RANK 0.44%
- PHOTO $393.4M
- BOOK 22,567
- CHARTER #1,506/4,374
- NCUSIF Avenir Financial
- CAMELS 66847
Call Report peers
Eagle Community in the assets neighbourhood
Eagle Community's $393.4M assets sit next to Avenir Financial ($393.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Eagle Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Eagle Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66847: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Eagle Community: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 93.89% here, 72.20% peer average (+21.69 pp).
- Largest lag: Net Worth Ratio at 9.66% vs peer 12.11% (-2.45 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for Eagle Community
- California health ordinal: #95 of 243.
- By total assets, Eagle Community is #95 of 243 in California.
- Member book place in California: #98 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Eagle Community's 5300 filing moved
Eagle Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.6% from $393.4M (2025Q4) to $411.4M (2026Q1).
- Net-worth ratio shifted -0.36 pp (10.02% → 9.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.66%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 23.5 pts
- Return on Assets 14.1 pts
- Member Growth 7.9 pts
- Loan-to-Share Ratio 13.4 pts
Eagle Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.66% | -2.45 pp |
| Delinquency Rate | 0.65% | -0.24 pp |
| Return on Assets | 0.44% | -0.18 pp |
| Member Growth | -0.59% | - |
| Loan-to-Share Ratio | 93.89% | +21.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Eagle Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $411.4M | - |
| 2025Q4 | $393.4M | 22,567 |
| 2024Q4 | $356.9M | 22,702 |
| 2023Q4 | $352.4M | 23,258 |
Credit Union Details
- Charter Number
- 66847
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- Lake Forest
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Eagle Community, spread across 6 cities.
| Office | City |
|---|---|
| Corporate (Main Office) | Foothill Ranch, CA |
| Anaheim Branch | Anaheim, CA |
| City of Industry Branch | City of Industry, CA |
| Garden Grove Branch | Garden Grove, CA |
| Lake Forest Branch | Lake Forest, CA |
| Santa Ana Branch | Santa Ana, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Eagle Community, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($393.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Eagle Community ranks #1,506 of 4,374 nationally on financial health and #95 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CAHP is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CAHP
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Eagle Community financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Eagle Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,506 of 4,374; by total assets it ranks #878 of 4,374 nationally (same basis as /rankings/largest); and #95 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.66% net worth ratio and 0.65% delinquency rate are the key drivers.
How does Eagle Community compare to other credit unions?
On PlainCU's health composite, Eagle Community lands at 88/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Community?
Membership eligibility for Eagle Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Eagle Community directly for current membership requirements and application steps.
Is my money safe at Eagle Community?
Federal credit unions like Eagle Community 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 Community's net worth ratio of 9.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Eagle Community offer compared to banks?
Credit unions like Eagle Community 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 Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.