# EAGLE
ATCHISON, KS · NCUA charter 3869 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/eagle-3869

Who the members are: federal charter, multiple common bond, organized 1940, low-income designated. 363 members of 1,000 potential (36.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.8M |
| Members | 363 (7.4% YoY) |
| Full-time staff | 1 |
| Net worth | $207,418 |
| Net worth ratio | 11.7% (p28 of band) |
| ROA (annualized) | 0.02% (p25 of band) |
| Total delinquency | 0.13% (p27 of band) |
| Net charge-offs (annualized) | 0.21% (p65 of band) |
| Loans / shares | 52% (p41 of band) |
| Cash / assets | 53.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.20% (p63 of band) |
| Operating expense / assets | 4.47% (p69 of band) |
| Vehicles % of loans | 80% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.16% (p38 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 96% |
| Certificates % of member funds | 0% |
| Average share balance | $4,310 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 122% |
| Average loan balance | $7,266 |
| Loans granted, annualized | $3.2M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 4 | capital below 7% |  |
| 2016-09 | 5 | net worth falling |  |
| 2016-12 | 2 |  | capital below 7%, net worth falling |
| 2017-03 | 5 | capital below 7%, delinquency rising |  |
| 2017-06 | 4 | delinquency 2x band | capital below 7% |
| 2017-09 | 4 |  |  |
| 2017-12 | 5 | members leaving |  |
| 2018-03 | 3 |  | delinquency rising, delinquency 2x band |
| 2018-06 | 4 | delinquency 2x band |  |
| 2018-09 | 7 | capital below 7%, loan book shrinking |  |
| 2018-12 | 6 | margin squeeze, delinquency rising | capital below 7%, loan book shrinking |
| 2019-03 | 10 | capital below 7%, losing money, charge-offs p90, loan book shrinking | margin squeeze |
| 2019-06 | 8 | net worth falling | members leaving, delinquency 2x band, delinquency rising |
| 2019-09 | 7 |  | loan book shrinking |
| 2019-12 | 9 | margin squeeze, members leaving |  |
| 2020-03 | 4 |  | losing money, charge-offs p90, net worth falling, margin squeeze, members leaving |
| 2020-06 | 6 | members leaving, loan book shrinking |  |
| 2020-09 | 6 | assets shrinking | loan book shrinking |
| 2020-12 | 4 | loan book shrinking | capital below 7%, members leaving |
| 2021-03 | 4 |  |  |
| 2021-06 | 5 | margin squeeze, delinquency rising | loan book shrinking |
| 2021-09 | 7 | delinquency 2x band, loan book shrinking |  |
| 2021-12 | 7 | members leaving | margin squeeze |
| 2022-03 | 8 | charge-offs p90 |  |
| 2022-06 | 6 |  | loan book shrinking, charge-offs p90 |
| 2022-09 | 5 |  | assets shrinking |
| 2022-12 | 2 |  | delinquency rising, delinquency 2x band, members leaving |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | members leaving |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 5 | delinquency 2x band, delinquency rising |  |
| 2024-03 | 4 | assets shrinking | thin capital, delinquency 2x band |
| 2024-06 | 3 | delinquency 2x band | members leaving, assets shrinking |
| 2024-09 | 2 |  | delinquency 2x band |
| 2024-12 | 5 | delinquency 2x band, assets shrinking, loan book shrinking |  |
| 2025-03 | 6 | margin squeeze |  |
| 2025-06 | 8 | charge-offs p90, members leaving |  |
| 2025-09 | 5 |  | delinquency rising, delinquency 2x band, margin squeeze |
| 2025-12 | 6 | margin squeeze |  |
| 2026-03 | 1 |  | assets shrinking, loan book shrinking, charge-offs p90, members leaving, margin squeeze |

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

- 2026-08-26 [U.S. Eagle Federal Credit Union announces $20K grant program for New Mexico educators - KRQE](https://news.google.com/rss/articles/CBMivAFBVV95cUxQYVR2bk1GZ2VueTNxU2dSTUQ0MG1KLWg4Wl93amFDWGhMOG1LUkIxWlJpenFoWnktbTZGQWlUVW55UktMMTBud3lEU1Z1MFdzQVJpZ0xPaThmdG8ycGNTakZQWVhWcFhaU2RfN0hMUTZFYUVtbklzQ3ZYTjNiQXBHM3VVdS0tcld2emVod2VaZDBPVnVOXzhzZ2hWVFJycjhkRTdzTk1Lck9Bb1NEVHJEeTlhZmVCYWtVcTVlX9IBwgFBVV95cUxNZUVuM0xndkJmc1F6NzhpRWdEajNzSUJvMm5kSC1WUldqMzc2Rkt1Q21WSnJ2SjZYV2V2TnZxOGg1YWxOT0kxRDNWYTBJYTZ6aFEwcDh5NjRrMUFxQ182T0xWN0J3SFBBYjhhdUQtb3ZrRjkwZ1F6LTljTHNTTXNjSExxM2NfZWlxV1ZNX1ZEMVdXbTRTd1k1dlZ4aTF5UElGNi1ndlBtYmFka05mOVphUzFKVTZLSmU5YlM3d0dtQjAxdw?oc=5) · KRQE
- 2026-02-27 [White Eagle CU to Open Branch Near Wichita This Fall - CUTimes](https://news.google.com/rss/articles/CBMikgFBVV95cUxQVWJ1SlYyay0yU3VCN3VtTzZHZkRWdVQzYy1UcDB6QUdscmstTGFlNFg0YVZZUWJDQ1RGZ2lHV1A2N0pPLWV3eXVCTkdTUUJmZGlqSE50MmJXZmdQZEtHVWNWb1M1Mkt0NzNydTBvQlpVTDJMcVp4R3Zsb2x5NlAxSGJuRU94VmdkMEM5Qmdad29vZw?oc=5) · CUTimes
- 2026-08-21 [U.S. Eagle Federal Credit Union to exit cannabis banking Nov. 1 - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxQR3ptS1NyWnNHQU1WS1FpSHI5YXd3dzMya092eDlGUjJMNmVEVzdzUHJzUndKb3dsdnZOWVNLTTBSRWxsTG1qanZ6R1YwbmFwdk1JUFdIdDhWNTdrUmpRS0tzQlVFbEh3VWl3dlNuam9oOGVtUXVhSUtjZXZrc0J5cTMza2lZVEk4dWJ3TktUNDdhRV9xN1NfRQ?oc=5) · The Business Journals
- 2026-02-10 [White Eagle Credit Union files plans for $2.3M branch near Andover - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxObmtUMkdHcnNsQld6NGZMOGg5eWxIMHJ0Qlp6LU1vdzFnNGVmdUQ1LVNjd3pqdXp2d1VFZjNoYzVqRUNWYlBYMVV1ZTdCZXIwa2N2b1AzWl90eDdoQVRIZF9MLUU1SFpTcU1XQVpuR0tjS1NMVGo1c2MtMm5QMldlNUNBUkZ4WjRZWGprS055N1NLQ3NpYWY1SGJIaThMUy1pRTZzaDh1N1A?oc=5) · The Business Journals
- 2026-06-11 [Free teen-driving safety program coming to Park City this weekend - Wichita Eagle](https://news.google.com/rss/articles/CBMiZkFVX3lxTE0wQlU1SzZHcWFfQWVsa0NZcHhrV1hWTURYakhoSjFGZFFKeWhHdjltakp4LWZmX2FtamxGTE5uNkc1b0YxRXA3bXhOSTZzMFBCODJKeF9GX1NuREVXMWhGOUk1SzBYZ9IBZkFVX3lxTFBTZkh2S0VtcjB3UHpyRDNNUGRSZTVoZ3dSTEtVd2FfQ1cyZlpyci1XaGpRQVJpcU1EZlVlZGs2UE83NHNMblJLcDFUMWZ6UEdQcUpWRVYtbG1VSFZDd1dlczM1bEhlUQ?oc=5) · Wichita Eagle
- 2026-05-17 [USA 250 Giveaway - Hutch Post](https://news.google.com/rss/articles/CBMickFVX3lxTE9teDh0RUlkU0tqTDhLb1FXMkY2ZHo4bFlyRm1GdUJ4R2I2YlV5bGF6TXRsRjduT0JPY3poVVBhVXVieEt2YzdrV0VBZXB1XzQ5Z3RDcXZsdW5BZjZqU1d5TnAtVGIyTzd5czhEYnZXWmVNZw?oc=5) · Hutch Post
- 2026-06-18 [U.S. Eagle Federal Credit Union makes Forbes' top credit union list for seventh time - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNUndONkpwdEJvT2hSX0hVdzF0b28yYVpJdTd0aUlveW15VU1rRnlVZlBFRGF2Q2tEdUJPb0FySV9wd0hqVm9ZdWR5LVBrVVU5SXpKamJBaW94SXl2ajJLbHhNZDlvekxzUDB6TVJCWlZlcWhGN0hmTWN3WS1zSGt2RWdxYm5QdnVYaHI2UjRzeXhKZ1VEbzFBYWstX3JGWVl4?oc=5) · The Business Journals
- 2026-06-15 [U.S. Eagle Federal Credit Union honored by nonprofit for family-friendly policies - Santa Fe New Mexican](https://news.google.com/rss/articles/CBMiigJBVV95cUxQT2VsaUZaUE5jdEw1a0JvM3dIY2NOcnQxbTdnRWw1bmg3WmJMUnc4eTI3ejNaX2xERXBJMXZ5V251RlpsVzVkNXFpR0U0Mnl4M1psZHF4Y0pRUjk0cG5aZmI1clRPM3B1MU9kdjYtc1NmU0lVSWE0c0dqVU5jTUtpTDA4eExlX1NoUzJocTJrNkR5YmVzcmVoUXJvZnNuYS05Z0FReWlZbTh1RGVwVjRnenZBckk1cmRGLWtiSjg5X2Zld2trUm9Sa2FYMHMzRE9FUnM2ekpwVGhIV3hrdW5DMFV6RU1GLUxvbVF2ZmthOHdaTXJJSldhNmhCT3pHS3J1VU56clhDcFIxdw?oc=5) · Santa Fe New Mexican

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3869 (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/29.json (key "3869", 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=3869
- 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