State credit union · Euclid, Ohio · NCUA charter #68354
Eaton Family
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $77.0M
- Total assets
- 10,931
- Members
- 10.6%
- Net-worth ratio
Eaton Family scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $77.0M; members 10,931; net-worth ratio 10.62%; health rank #3,952 of 4,374; healthier than 9th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,952 of 4,374 health · 2025Q4Eaton Family · health 63/100 · $77.0M · 2025Q4
- RANK 63/100
- PHOTO 10.6%
- BOOK 2.27%
- CHARTER 0.06%
- NCUSIF $77.0M
- CAMELS 10,931
- HEALTH #3,952/4,374
- NW METRO
- DELQ 68354
Call Report peers
Eaton Family in the assets neighbourhood
Eaton Family's $77.0M assets sit next to METRO ($77.0M) 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.
Eaton Family 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
63 9th percentile higher than 9% 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
Eaton Family - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68354. See our deposit-insurance coverage note.
Where Eaton Family diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 79.53% vs peer 62.60% (+16.93 pp).
- Net Worth Ratio trails the peer set - 10.62% here, 13.62% peer average (-3.00 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Eaton Family sits in Ohio
- In Ohio, health place is #171 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #86 of 196.
- Member book place in Ohio: #62 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Eaton Family
Eaton Family: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $77.0M (2025Q4) to $78.4M (2026Q1).
- Net-worth ratio shifted -0.18 pp (10.80% → 10.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.62%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.8 pts
- Return on Assets 7.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Eaton Family vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.62% | -3.00 pp |
| Delinquency Rate | 2.27% | +1.30 pp |
| Return on Assets | 0.06% | -0.60 pp |
| Member Growth | -5.34% | - |
| Loan-to-Share Ratio | 79.53% | +16.93 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Eaton Family filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $78.4M | - |
| 2025Q4 | $77.0M | 10,931 |
| 2024Q4 | $75.6M | 11,548 |
| 2023Q4 | $79.1M | 12,262 |
Credit Union Details
- Charter Number
- 68354
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- Euclid
- Data Quarter
- 2025Q4
Branch Locations (7)
Eaton Family operates 7 offices across 5 cities, spanning 4 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Eaton Family Credit Union (Main Office) | Euclid, OH |
| Eaton Family Credit Union | Euclid, OH |
| Eaton Family Credit Union Lincoln Branch | Lincoln, IL |
| Eaton Family Credit Unon Searcy Branch | Searcy, AR |
| Sumter ATM | Sumter, SC |
| Willoughby Hills Branch Office | Willoughby Hills, OH |
| Willoughby Hill Warehouse | Willoughby Hills, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Eaton Family
Two NCUA Call Report peer sets for Eaton Family, both outside Ohio 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 ($77.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- Eaton Family ranks #3,952 of 4,374 nationally on financial health and #171 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Your Legacy is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Your Legacy
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 Eaton Family financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Eaton Family carries a financial health score of 63/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,952 of 4,374; by total assets it ranks #2,047 of 4,374 nationally (same basis as /rankings/largest); and #86 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.62% net worth ratio and a 2.27% delinquency rate.
How does Eaton Family compare to other credit unions?
63/100 is Eaton Family's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Eaton Family?
Membership eligibility for Eaton Family depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Eaton Family directly for current membership requirements and application steps.
Is my money safe at Eaton Family?
Federal credit unions like Eaton Family 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. Eaton Family's net worth ratio of 10.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Eaton Family offer compared to banks?
Credit unions like Eaton Family 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 Eaton Family 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.