Federal credit union · Albuquerque, New Mexico · NCUA charter #808
U.S. Eagle
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $1.45B
- Total assets
- 97,686
- Members
- 8.1%
- Net-worth ratio
U.S. Eagle scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.45B; members 97,686; net-worth ratio 8.11%; health rank #4,146 of 4,374; healthier than 5th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,146 of 4,374 health · 2025Q4U.S. Eagle · health 57/100 · $1.45B · 2025Q4
- NCUSIF 57/100
- CAMELS 8.1%
- HEALTH 7.08%
- NW -0.01%
- DELQ $1.45B
- ROA 97,686
- ASSETS #4,146/4,374
- MEM First Community
- RANK 808
Call Report peers
U.S. Eagle in the assets neighbourhood
U.S. Eagle's $1.45B assets sit next to First Community ($1.45B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
U.S. Eagle 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
57 5th percentile higher than 5% 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
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 vs Over $500M peers
- Delinquency Rate trails the peer set - 7.08% here, 0.87% peer average (+6.21 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
U.S. Eagle in New Mexico
- In New Mexico, health place is #36 of 37 on the same NCUA-ratio sort used nationally.
- New Mexico assets place: #3 of 37.
- New Mexico membership ordinal: #4 of 37.
In-state ordinals use the live credit_unions table for NM only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How U.S. Eagle's 5300 filing moved
U.S. Eagle: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $1.45B (2025Q4) to $1.48B (2026Q1).
- Net-worth ratio shifted -0.42 pp (8.53% → 8.11%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.11% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 57/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 57.
- Net Worth Ratio 25.3 pts
- Delinquency Rate 0.0 pts
- Return on Assets 4.4 pts
- Member Growth 12.1 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.11% | -3.07 pp |
| Delinquency Rate | 7.08% | +6.21 pp |
| Return on Assets | -0.01% | -0.52 pp |
| Member Growth | 2.57% | - |
| Loan-to-Share Ratio | 81.03% | -2.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.48B | - |
| 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
Branch Locations (11)
Per its most recent NCUA branch filing, U.S. Eagle runs 11 offices in 4 different cities.
| Office | City |
|---|---|
| Osuna Branch (Main Office) | Albuquerque, NM |
| Irving Branch | Albuquerque, NM |
| Coors/Bosque Branch | Albuquerque, NM |
| Menaul Branch | Albuquerque, NM |
| Juan Tabo Branch | Albuquerque, NM |
| Academy Branch | Albuquerque, NM |
| Avanyu Plaza Branch | Albuquerque, NM |
| Herrera Isleta Branch | Albuquerque, NM |
| Santa Ana Branch | Bernalillo, NM |
| Farmington Branch | Farmington, NM |
| Santa Fe Branch | Santa Fe, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Mexico
Other federally-insured credit unions in New Mexico, closest first by peer group and asset size.
U.S. Eagle nationwide neighbourhoods
Cross-state asset and health neighbours for U.S. Eagle - kept outside New Mexico; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.45B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (57/100 here).
Using this data
- U.S. Eagle ranks #4,146 of 4,374 nationally on financial health and #36 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Del Norte is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Del Norte
- Rates and health both vary by institution, not just by state -- see how New Mexico credit unions compare overall before assuming this one is typical. New Mexico 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,146 of 4,374; by total assets it ranks #336 of 4,374 nationally (same basis as /rankings/largest); and #3 of 37 within New Mexico. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.11% 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 8.11% 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.
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.