Federal credit union · Eatonville, Florida · NCUA charter #24935
Unity of Eatonville
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $3.2M
- Total assets
- 394
- Members
- 4.1%
- Net-worth ratio
Unity of Eatonville scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.2M; members 394; net-worth ratio 4.13%; health rank #4,215 of 4,374; healthier than 4th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,215 of 4,374 health · 2025Q4Unity of Eatonville · health 54/100 · $3.2M · 2025Q4
- CAMELS 54/100
- HEALTH 4.1%
- NW 1.04%
- DELQ -1.18%
- ROA $3.2M
- ASSETS 394
- MEM #4,215/4,374
- RANK n/a
- PHOTO 24935
Call Report peers
Unity of Eatonville carries $3.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Unity of Eatonville 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
54 4th percentile higher than 4% 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
Unity of Eatonville - Share Insurance Coverage
Charter #24935'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.
Unity of Eatonville: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 1.04% here, 1.81% peer average (-0.77 pp).
- Net Worth Ratio trails the peer set - 4.13% here, 19.06% peer average (-14.93 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Unity of Eatonville in Florida
- Florida health ordinal: #107 of 109.
- Florida assets place: #109 of 109.
- Florida membership ordinal: #109 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Unity of Eatonville's 5300 filing moved
Unity of Eatonville: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $3.2M (2025Q4) to $3.2M (2026Q1).
- Net-worth ratio shifted -0.47 pp (4.60% → 4.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This institution's 4.13% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 54/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 54.
- Net Worth Ratio 10.3 pts
- Delinquency Rate 19.7 pts
- Return on Assets 0.0 pts
- Member Growth 13.1 pts
- Loan-to-Share Ratio 10.9 pts
Unity of Eatonville health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 4.13% | -14.93 pp |
| Delinquency Rate | 1.04% | -0.77 pp |
| Return on Assets | -1.18% | -1.63 pp |
| Member Growth | 3.41% | - |
| Loan-to-Share Ratio | 49.71% | -13.89 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Unity of Eatonville
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.2M | - |
| 2025Q4 | $3.2M | 394 |
| 2024Q4 | $3.1M | 381 |
| 2023Q4 | $2.8M | 334 |
Credit Union Details
- Charter Number
- 24935
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Florida
- City
- Eatonville
- Data Quarter
- 2025Q4
Branch Location
Unity of Eatonville operates a single office in Eatonville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Unity of Eatonville FCU (Main Office) | Eatonville, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Unity of Eatonville, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (54/100 here).
Using this data
- Unity of Eatonville ranks #4,215 of 4,374 nationally on financial health and #107 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Electricians' Local 349 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Electricians' Local 349
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida 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 Unity of Eatonville financially healthy?
Yes/no aside, the number is 54/100 (Fair) - Unity of Eatonville's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,215 of 4,374; by total assets it ranks #4,026 of 4,374 nationally (same basis as /rankings/largest); and #109 of 109 within Florida. Above 80 reads excellent, below 50 warrants closer monitoring; a 4.13% net worth ratio and 1.04% delinquency rate are the key drivers.
How does Unity of Eatonville compare to other credit unions?
Unity of Eatonville scores 54/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Unity of Eatonville?
Unity of Eatonville 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 Unity of Eatonville directly for the exact boundaries and application steps.
Is my money safe at Unity of Eatonville?
Federal credit unions like Unity of Eatonville 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. Unity of Eatonville's net worth ratio of 4.13% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Unity of Eatonville offer compared to banks?
Credit unions like Unity of Eatonville 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 Unity of Eatonville 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.