# UNITY OF EATONVILLE
Eatonville, FL · NCUA charter 24935 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/unity-of-eatonville-24935

Who the members are: federal charter, community charter, organized 2021, low-income designated, minority depository institution. 409 members of 2,283 potential (17.9% of the field); checking penetration 1% (share draft accounts per 100 members); loans per 100 members 357.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.2M |
| Members | 409 (10.5% YoY) |
| Full-time staff | 1 |
| Net worth | $130,795 |
| Net worth ratio | 4.1% (p0 of band) |
| ROA (annualized) | -1.84% (p6 of band) |
| Total delinquency | 0.91% (p60 of band) |
| Net charge-offs (annualized) | 1.29% (p89 of band) |
| Loans / shares | 45% (p31 of band) |
| Cash / assets | 55.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.51% (p35 of band) |
| Operating expense / assets | 6.76% (p93 of band) |
| Vehicles % of loans | 60% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 929% (p100 of band) |
| Vehicle delinquency | 1.44% (p72 of band) |
| Vehicle NCO | 0.21% (p75 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 12% |
| Certificates % of member funds | 19% |
| Average share balance | $6,625 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.1M |
| Loans outstanding per 100 members | 357% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $939 |
| Loans granted, annualized | $200,440 |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.1M outstanding purchased (850.9% of net worth), $0 sold and retained. Sold in 1 and bought in 6 of the last 8 quarters. Shares 2.9% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2022-03 | 1 | losing money |  |
| 2022-06 | 2 | expense trap |  |
| 2022-09 | 1 | thin capital | losing money, expense trap |
| 2022-12 | 2 | net worth falling |  |
| 2023-03 | 2 | expense trap, auto monoline | thin capital, net worth falling |
| 2023-06 | 3 | thin capital |  |
| 2023-09 | 4 | net worth falling, losing money | auto monoline |
| 2023-12 | 6 | capital below 7% |  |
| 2024-03 | 6 |  |  |
| 2024-06 | 7 | delinquency rising |  |
| 2024-09 | 7 | 3rd-party paper>100% NW | net worth falling |
| 2024-12 | 6 |  | expense trap |
| 2025-03 | 6 | margin squeeze | losing money |
| 2025-06 | 5 | charge-offs p90 | delinquency rising, margin squeeze |
| 2025-09 | 7 | net worth falling, losing money |  |
| 2025-12 | 9 | margin squeeze, delinquency rising |  |
| 2026-03 | 8 | expense trap, auto monoline | charge-offs p90, margin squeeze, delinquency rising |

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

- 2022-10-20 [Eatonville gets its first-ever credit union - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxON01LU2ZpZ2tlaURRYU9qNkRkdjY0OXNmWm82dUhTenRZLTJoWld2c0tMSzI1bEVlNC1xRWhNQjdneGhPRTMyb0o0RUdibUZsTmVFLXk4aFJoU3ctX0M5NWg0MjVzWlAxTVZRMGw5UWVWelJrVXdhWXpkSmFaV2RleE5GbUpyaUNaYjNvNTFhSUdXWTdEN3pyZXFULWg?oc=5) · The Business Journals
- 2023-02-21 [Historic first for a historic town builds financial empowerment in underserved community - WKMG](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNTnVtN1I4aUFVbXpDOGFfQVRncnRFTmdDN2ZPVDkwVzBOeF9lRlk5VFpRN1lybVJkTl9UQnBsS2R0bk9GNFpoUXlCeFhGaWV5OUk2bm1vRWJrOTMwamFLdmFDRWFKaUo1RC16OUNYalNJS1d0VEdvRFhFeW1PdVBabU1fTmhuYS1xNDBMQ2dGcWVqNnlNa2F0ZEt0WU1DTTVoTmIwOWFGb0lsaGFvOGE0OTQ0T19pa0pXNWJVVFBsZWNRUUc2b2Y3VGlpSTAxNkgtZXUzSF8xRQ?oc=5) · WKMG
- 2025-02-19 [Black Owned Credit Unions You Should Know - Shoppe Black](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1rWVo2ZldNTEZ4XzlKSlVoaC0yaXlSMmd5dFI0cmpoU0Z3cG8wR0tvT2EtdkI4U1NfamlsT01adjM4RXlfWFRVWkh0RXVXTDc3SG5TVHIwWWJSUVpuVnc?oc=5) · Shoppe Black
- 2022-08-04 [NCUA announces first charter of 2022 - americanbanker.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPTW0ybUxJbTFhUDZSTEdEUG5jdk1GRlRFYllNa3hVdEg3MVZ4bUpzZ0xWem1PVVhGTWhtMjJXUGp4eFM3ek9ObTdGTlZSQUtoS3hqdmxUaGNNUWhYdkl2RnRzZ0s5dFBPdDRWZGFVem5TWTdEWlMwQ3lOdlV1LUxTZ3JpRFRLeFpWQVQ3THJn?oc=5) · americanbanker.com
- 2022-06-20 [Church leaders serve as pillars of Eatonville - WESH](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPSXZOZUFOak00NENxQ0pNd3Vvb2g5WXJfV0R1ZnJtaVVkby1UT04yUUNfVzBaMTQycUNubkhHSE1yT1hLdlJkYnVnVTJIQXd4OWp3ZVF6ejI4d0lES1d5dE1jQnNaUXk4T2Nadk12RGU1WDRnRDR4R3lSOEZ3Z0JJMTgzTG1RdWpLZVBF?oc=5) · WESH
- 2025-09-16 [Addition Financial merger creates $3.8B credit union with 250K members - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOTnJBRmxRZS1fUDZ4bG5UMDM5dkNkM0Jlb3Q1Z29OVmZheHlqUUpXbTFGRWJnZHJsNGpNb0V2NVBJblZzRlcybHFTdVVNbUlBekFkRUYySG1pa0pqNkNsVTVsbmFmZW9oT29ha0gzcTc4TE9yOHpFcmlvWmU3czVjVEtIZVY0dmhHWnZ1TTVieG9PSWxvY0dWMzJDd1gxRkltdnFmQnNFYw?oc=5) · The Business Journals
- 2022-11-29 [Exclusive: These credit unions have the biggest Orlando footprint - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxQWHFBanZhc0UxV2kzcDV4MTMyd0Y3cW1PV2JyTFp4SG44LWd1b0cyN1A3Qk50S1VoYXJGeTRLaHM2NWhZQlM2LVZvUXg5SVRzejIwbWwtRjRNQ2ZTUUg1Ty1qX19WV3Q0V05TVjh5WU1XUHlIOEVRZDJoOFhFaFVTeGlmMERnWktpdG15Uks1MHQyQ01ZdkVlRjNQLXE?oc=5) · The Business Journals
- 2024-04-17 [Eatonville ranks high among Florida Black History Museum site finalists - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNNUtJVzB6bHJTMkJtbjFMYzIwdWlKR1NXZTdadEg2WVQzUHQ0VFFtMVN6WGx4Y1NoSlR6RXZPM2N1ZDlwcC13amRzWkRwVEtMRWQ5SlFvdGJoVUc2ejdJcUJZLWlVRU1kSTNJeTNiSUxUTTMwdVo5V1F4MXdGZ0k3WVNTeUNJZDNWZEhSUWZRNEdsUU1kY0EtZjlKN0U?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24935 (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/39.json (key "24935", 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=24935
- 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