State credit union · Lake Forest, California · NCUA charter #66847
Eagle Community
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $393.4M
- Total assets
- 22,567
- Members
- 10.0%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)94
- Earnings (ROA)94
- Member growth53
- Liquidity (loan-to-share)88
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.99% | 30% |
| Delinquency Rate | 0.65% | 25% |
| Return on Assets | 0.44% | 15% |
| Member Growth | -0.59% | 15% |
| Loan-to-Share Ratio | 93.89% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Eagle Community
The five-factor composite scores Eagle Community at 89/100 (Excellent), reflecting a net worth ratio of 9.99% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Lake Forest, California, reports 22,567 members, $393.4M in total assets, and $325.9M in outstanding loans as of Q4 2025 under charter #66847 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
Deposits deployed into lending sit at a 93.89% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.65% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 0.44% on net income of $1.7M 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 -0.59%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
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 Community financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - Eagle Community's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.99% 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 89/100, 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 9.99% 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.
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.