Federal credit union · Fort Walton Bea, Florida · NCUA charter #9788
EGLIN
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $3.07B
- Total assets
- 122,434
- Members
- 12.8%
- Net-worth ratio
EGLIN scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.07B; members 122,434; net-worth ratio 12.76%; health rank #1,954 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,954 of 4,374 health · 2025Q4EGLIN · health 85/100 · $3.07B · 2025Q4
Call Report peers
EGLIN in the assets neighbourhood
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EGLIN vs every NCUA-scored credit union
EGLIN sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Where EGLIN diverges from peer averages
- Net Worth Ratio leads the peer set - 12.76% here, 11.18% peer average (+1.58 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -47.72 pp (36.18% vs 83.90%).
Florida standing for EGLIN
- Health composite ranks #58 of 109 among scored Florida credit unions.
- Florida assets place: #10 of 109.
- Membership ranks #15 of 109 among Florida CUs with a reported count (122,434 members).
- One place up in Florida, Jackson County 1st (#57) ties at 85/100; one place down, Campus USA (#59) ties at 85/100.
Quarter path for EGLIN
EGLIN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $3.07B (2025Q4) to $3.09B (2026Q1).
- Net-worth ratio shifted +0.17 pp (12.59% → 12.76%).
12.76% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
EGLIN gives up 15 points in total. Member Growth costs the most, 8.7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 9.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.76% | +1.58 pp |
| Delinquency Rate | 0.60% | -0.28 pp |
| Return on Assets | 0.87% | +0.36 pp |
| Member Growth | -1.52% | - |
| Loan-to-Share Ratio | 36.18% | -47.72 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.09B | - |
| 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
Branch Locations (12)
The NCUA branch filing lists 12 physical offices for EGLIN, spread across 10 cities.
| Office | City |
|---|---|
| Eglin Federal Credit Union (Main Office) | Fort Walton Beach, FL |
| North Crestivew Branch | Crestview, FL |
| South Crestview Branch | Crestview, FL |
| Destin Branch | Destin, FL |
| Eglin AFB Branch | Eglin AFB, FL |
| Operations Center | Fort Walton Beach, FL |
| Freeport Branch | Freeport, FL |
| Hurlburt Field Branch | Hurlburt Field, FL |
| Mary Esther Branch | Mary Esther, FL |
| Navarre Branch | Navarre, FL |
| Bluewater Bay Branch | Niceville, FL |
| Pace Branch | Pace, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Other-state peers near EGLIN
Using this data
- EGLIN ranks #1,954 of 4,374 nationally on financial health and #58 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Achieva Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Achieva Credit Union
Frequently Asked Questions
Is EGLIN financially healthy?
On its 2025Q4 NCUA 5300 filing, EGLIN scores 85/100 (Excellent), with a 12.76% net worth ratio and 0.60% of loans delinquent. It ranks #1,954 of 4,374 nationally on health and #58 of 109 in Florida.
How does EGLIN compare to other credit unions?
EGLIN scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (12.76% vs 11.18%). Its widest shortfall is loan-to-share ratio (36.18% vs 83.90%).
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?
EGLIN is a federal credit union; its shares are federally 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 12.76% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.