Federal credit union · Fort Walton Bea, Florida · NCUA charter #9788
Eglin
Health score 55/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $3.07B
- Total assets
- 122,434
- Members
- 0.0%
- Net-worth ratio
Eglin - Share Insurance Coverage
Charter #9788's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Eglin - 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)0
- Asset quality (delinquency)96
- Earnings (ROA)100
- Member growth42
- Liquidity (loan-to-share)62
Weighted composite: 55/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
0.00% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 0.00% | 30% |
| Delinquency Rate | 0.60% | 25% |
| Return on Assets | 0.87% | 15% |
| Member Growth | -1.52% | 15% |
| Loan-to-Share Ratio | 36.18% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $3.07B | 122,434 |
| 2024Q4 | $2.90B | 124,319 |
| 2023Q4 | $2.82B | 124,001 |
Credit Union Details
- Charter Number
- 9788
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Florida
- City
- Fort Walton Bea
- Data Quarter
- 2025Q4
What This Data Says About Eglin
Headquartered in Fort Walton Bea, Florida, Eglin is a federal credit union with 122,434 members, $3.07B in total assets, and $958.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 55/100 (Fair), driven in part by a net worth ratio of 0.00% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #9788 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
0.60% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 36.18% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.87% on net income of $26.7M 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 -1.52%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, 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 Eglin financially healthy?
A 0.00% net worth ratio and a 0.60% delinquency rate feed into Eglin's financial health score of 55/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Eglin compare to other credit unions?
55/100 is Eglin's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 Eglin?
Eglin 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 Eglin directly for the exact boundaries and application steps.
Is my money safe at Eglin?
Federal credit unions like Eglin 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. Eglin's net worth ratio of 0.00% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Eglin offer compared to banks?
Credit unions like Eglin 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 Eglin 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.