Federal credit union · Albuquerque, New Mexico · NCUA charter #808
U.s. Eagle
Health score 57/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $1.45B
- Total assets
- 97,686
- Members
- 8.0%
- Net-worth ratio
U.s. Eagle - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #808: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
U.s. Eagle - 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)83
- Asset quality (delinquency)0
- Earnings (ROA)29
- Member growth81
- Liquidity (loan-to-share)100
Weighted composite: 57/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.02% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.02% | 30% |
| Delinquency Rate | 7.08% | 25% |
| Return on Assets | -0.01% | 15% |
| Member Growth | 2.57% | 15% |
| Loan-to-Share Ratio | 81.03% | 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 | $1.45B | 97,686 |
| 2024Q4 | $1.48B | 95,243 |
| 2023Q4 | $1.46B | 93,284 |
Credit Union Details
- Charter Number
- 808
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- New Mexico
- City
- Albuquerque
- Data Quarter
- 2025Q4
What This Data Says About U.s. Eagle
Headquartered in Albuquerque, New Mexico, U.s. Eagle is a federal credit union with 97,686 members, $1.45B in total assets, and $1.07B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 57/100 (Fair), driven in part by a net worth ratio of 8.02% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #808 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
7.08% 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 looser than peers. Deposit deployment is captured by the 81.03% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.01% on net income of $-178766 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 2.57%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in New Mexico
Other federally-insured credit unions in New Mexico, 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 U.s. Eagle financially healthy?
Yes/no aside, the number is 57/100 (Fair) - U.s. Eagle's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.02% net worth ratio and 7.08% delinquency rate are the key drivers.
How does U.s. Eagle compare to other credit unions?
U.s. Eagle scores 57/100 on PlainCU's health composite, compared to a peer group average for Over $500M 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 U.s. Eagle?
U.s. Eagle serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact U.s. Eagle directly for the current list of qualifying groups.
Is my money safe at U.s. Eagle?
Federal credit unions like U.s. Eagle 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. U.s. Eagle's net worth ratio of 8.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does U.s. Eagle offer compared to banks?
Credit unions like U.s. Eagle 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 U.s. Eagle 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.