State credit union · Eddyville, Nebraska · NCUA charter #66274
Eddyville Cooperative
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $1.7M
- Total assets
- 113
- Members
- 16.6%
- Net-worth ratio
Eddyville Cooperative - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66274: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Eddyville Cooperative - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)87
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 16.63% 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 | 16.63% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 1.22% | 15% |
| Member Growth | -11.02% | 15% |
| Loan-to-Share Ratio | 61.60% | 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 | 113 |
| 2024Q4 | $1.7M | 127 |
| 2023Q4 | $1.7M | 130 |
Credit Union Details
- Charter Number
- 66274
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Nebraska
- City
- Eddyville
- Data Quarter
- 2025Q4
What This Data Says About Eddyville Cooperative
113 members and $1.7M in total assets sit behind Eddyville Cooperative, a state credit union in Eddyville, Nebraska, which posts a health score of 83/100 (Excellent) on the five-factor composite, with $793K in outstanding loans as of Q4 2025 and a net worth ratio of 16.63% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #66274 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 61.60% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.22% on net income of $21K 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 -11.02%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Nebraska
Other federally-insured credit unions in Nebraska, closest first by peer group 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 Eddyville Cooperative financially healthy?
Eddyville Cooperative scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.63% net worth ratio and a 0.00% delinquency rate.
How does Eddyville Cooperative compare to other credit unions?
Five weighted metrics from NCUA filings produce Eddyville Cooperative's 83/100 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 Eddyville Cooperative?
Membership eligibility for Eddyville Cooperative depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Eddyville Cooperative directly for current membership requirements and application steps.
Is my money safe at Eddyville Cooperative?
Federal credit unions like Eddyville Cooperative 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. Eddyville Cooperative's net worth ratio of 16.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Eddyville Cooperative offer compared to banks?
Credit unions like Eddyville Cooperative 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 Eddyville Cooperative 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.