# FIRST EAGLE
Owings Mills, MD · NCUA charter 10958 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-eagle-10958

Who the members are: federal charter, multiple common bond, organized 1956, low-income designated. 8,184 members of 38,265 potential (21.4% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $111.5M |
| Members | 8,184 (-0.4% YoY) |
| Full-time staff | 21 |
| Net worth | $13.3M |
| Net worth ratio | 11.9% (p53 of band) |
| ROA (annualized) | 0.91% (p64 of band) |
| Total delinquency | 0.48% (p40 of band) |
| Net charge-offs (annualized) | 0.35% (p52 of band) |
| Loans / shares | 69% (p48 of band) |
| Cash / assets | 18.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.96% (p68 of band) |
| Operating expense / assets | 3.52% (p46 of band) |
| Vehicles % of loans | 52% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.77% (p61 of band) |
| Vehicle NCO | 0.34% (p39 of band) |
| Repossessed % of vehicle book | 0.04% (p70 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 8% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 23% |
| Average share balance | $6,989 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.1M |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $15,276 |
| Loans granted, annualized | $27.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.1M outstanding purchased (8.3% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -1.6% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | thin capital |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | thin capital |  |
| 2018-06 | 0 |  | thin capital |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | assets shrinking |  |
| 2019-09 | 2 | delinquency rising, members leaving | assets shrinking |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 2 | net worth falling | delinquency rising |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 4 | delinquency 2x band, delinquency rising | net worth falling |
| 2021-03 | 2 |  | members leaving, delinquency rising |
| 2021-06 | 2 | delinquency rising | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | delinquency 2x band |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | assets shrinking |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-01-24 [8 more credit unions now use Auto Link’s white-label marketing tool - Auto Remarketing](https://news.google.com/rss/articles/CBMitAFBVV95cUxPMUxDeWZKcG1BSk9OLWFmUl9aZnJvRjktRHZ3V2RVZlgxQ0tLZjNWRGU1UzhSQXNkLUplazZIQklvUEZ1bVZNRGg2cW83TEZwejdlUmMtRzQzM1ZIRFJEYU12Qk5Ibi1sbHc4LUx1eU1GUVJ6NndTbjY3WldTdmY1ZFFoNDAtQUJfRnlVa1NUdEpoOWltQldZTk54WUlHXzNtNFpoR2lROUlNRW4wcS1WVXA0OHo?oc=5) · Auto Remarketing
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2022-03-22 [MD|DC Credit Union Association names Market USA’s Edwards as the 2021 Emerging Leader Award winner - CUInsight](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQc2RXZld4ZDYtaFRFdlhRZ2tJRW1fOTNXcjlSWlZtNEY1T0QxZ3Nhc0pnX011TnpfdXk3clhPemZCY2dWWmRXVzBxVFJLUk1VV0Z3UkRWdEU1bDd5VnMwM0VaYUNraUJmS2tsRi1LY0FPYU50amlYQkhpbHBBUjBFcWpkaHJsSGdUa2Fmb2luanotTjJxUEQ0WUhFX1E0dG85TU9VLXdYMnl6U3ZmVGNHc2xKd2hQS2FtZzVlMndFWXBfZ1R1N3BpcmNLSWJFS3BLakhj?oc=5) · CUInsight
- 2014-10-18 [Richard "Jerry" Davis Craver Obituary Oct 18, 2014 - grenoblefuneralhome.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE5yQ3VHNWMzNk1DSWdJX2IyR0d2Tmg4a0FDWUJTMEJOaUl4MWI3Vk4yNlh1TEJUb21CT0xtS01xVlUwc09vZ3VKYlc2Y1ctMy0yaUc4LWJsM0FUREdPYUgxdlZ6c0VrRkM1REtKYWVB?oc=5) · grenoblefuneralhome.com
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10958 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/14.json (key "10958", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=10958
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide