# EAGLE
Lodi, CA · NCUA charter 64411 · asset band <$50M · latest filing 2016-06 · stopped filing after 2016-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/eagle-64411

Who the members are: state charter, organized 1929. 2,347 members of 900,000 potential (0.3% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *too clean*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $20.9M |
| Members | 2,347 (– YoY) |
| Full-time staff | 5 |
| Net worth | $1.4M |
| Net worth ratio | 6.6% (p2 of band) |
| ROA (annualized) | -2.50% (p2 of band) |
| Total delinquency | 0.02% (p11 of band) |
| Net charge-offs (annualized) | 3.35% (p97 of band) |
| Loans / shares | 26% (p9 of band) |
| Cash / assets | 15.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.21% (p21 of band) |
| Operating expense / assets | 5.22% (p88 of band) |
| Vehicles % of loans | 35% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p90 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 10.52% (p100 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 26% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 84% |
| Certificates % of member funds | 1% |
| Average share balance | $3,439 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $6,483 |
| Loans granted, annualized | $1.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, losing money, charge-offs p90 |  |
| 2016-06 | 5 |  |  |

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

- 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
- 2026-03-31 [American Eagle Financial Credit Union Hosts 3rd Annual Financial Reality Fair for High School Students Across Greater Hartford - Yahoo Finance](https://news.google.com/rss/articles/CBMipAFBVV95cUxNZnQ5R2dIVFF3Q1VrNEFGWEN3YXdxRWZLdWQweG93eHNTeUhUSEFiY3BmSzFJamR2Zk11cUh2WllBTko0Q1RCeDVzb204a0RSNE5zWTFPMDFUdGtlRUlHV0JTNnNTeGViZDc0dEd2X0ZYVFB1M3B0eDF0SjZTRXlLaUFXVVktMWprUFBwZnVVQm5QODVid2xkNk1SaTRzQlllUG5pNA?oc=5) · Yahoo Finance
- 2026-06-23 [Are you prepared for CT's Hot Housing Market? American Eagle Financial Credit Union has tips to navigate this complicated process on Live. Work. Play. - fox61.com](https://news.google.com/rss/articles/CBMi1wJBVV95cUxNVGwyS0tQRzJNVFNmQ09sMFVraHExQ1VfUklZTFRfR0YxMlNBMkktOXV4SkhkT0N6Ui1lemlFVGNWbG53ekxycTBHQmRsbnQySWxkSk10MHNJcUFjbHFfcEZxX3FhTXZmVHRkYlBfN25LRHJYRFcxbERfc1V5cDdEU1lONEhZa2lmc0JCcU5saXlDbUl1Szd0QUlpMVp4Z1U1dWVMU2VxN2JxdDd5eXNHaW1lc3ZWbndFaDlYa3l0dU1jbWFsbFRnejhCVm4zRE9zNi05d2pfdFUxcURWYVA1cXRpN0lJTGhXdmQ3cjdKOTJYZHBrMlBpM2ZTeTNqV3lkaW1ma19BN2VJY3RVbGVfMGE1SjZmV3hyVkpPcW5YTzNqdm1yckE1d2l3cU1TdmFrU2puMFNfcVlSdF9ZODgyZVRrMW80MmgzUDZSOHVyMmttM1FSRXJr?oc=5) · fox61.com
- 2026-02-27 [White Eagle CU to Open Branch Near Wichita This Fall - CUTimes](https://news.google.com/rss/articles/CBMikgFBVV95cUxQVWJ1SlYyay0yU3VCN3VtTzZHZkRWdVQzYy1UcDB6QUdscmstTGFlNFg0YVZZUWJDQ1RGZ2lHV1A2N0pPLWV3eXVCTkdTUUJmZGlqSE50MmJXZmdQZEtHVWNWb1M1Mkt0NzNydTBvQlpVTDJMcVp4R3Zsb2x5NlAxSGJuRU94VmdkMEM5Qmdad29vZw?oc=5) · CUTimes
- 2025-12-20 [Members 1st Federal Credit Union named one of America’s best - readingeagle.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPVzVOVWVTTmdxNnoybW13eXFLdHdsUWstLUs5SDFwb0FJYlByRDRPRTBXWkpGYnBVaURYZ3ZWNnNQOGVlOUx6ZDhwNjFzWmJUSFlfUDdoYTBXTFpEclhOLVFOQ0M3VzVoSXY4MjlHUmhtVGI2VUpMWmgyMi04d3dOT1Z5X25zV2FZb0ZrRFEwYVhSaUJuaExIamZtSlYwamZBNlE?oc=5) · readingeagle.com
- 2025-12-08 [OC-Based Credit Unions Grow Assets by 8.6% - Orange County Business Journal](https://news.google.com/rss/articles/CBMie0FVX3lxTE0xWng4czZRaUtTZ1cxVXhkOTNGc3doSUltTnlhdnlXZS1uTE1LeElaWUlSMGU3OVdrNXgyUHRrYXYtX0loTkZDQkIyZXdhOXd6QU1WZjBYRF9DSU5OeUpvamRiYll4Y1dNN2hKRkpaY0VaODhMU1loNllZQQ?oc=5) · Orange County Business Journal
- 2026-07-29 [Stone Temple Pilots: North Island Credit Union Amphitheatre - Coronado Eagle & Journal](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQTmpENlpuRmN3M3FCWDVHeVg5eDhkVHRlVnJIOHFqRU5uWTR2UFFiYzN6VWJwbzVJajUzUkViNDRKR0dzU3YxUXhwSi1teU1raUVkam1xX3BPby1wRkgwNlo0SE9tSHQxZ3d3VXh4UHd3OW5XaWhlLWg0cGdDQ19CUGhYMjRGVHBRWlB3SFU1TEUzZmJ6VG15LWQ1NC1BeEFxdUVNazVnQ3A1Ul9VeUUxR3RhbHZDZ2dnaXZneUlJdUdBODlaR1ZudlJGUjg4Ujg4bDRFcUNB?oc=5) · Coronado Eagle &amp; Journal
- 2024-08-13 [Eagle Community Credit Union welcomes Michael Kim as new President/CEO - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxNOGlYb3MydG40aV8yd1IzUl9sZlZocl8wMHRPYjh1MXoweDdQYVQ3VV9GX0JxNVZsenlKVkIwZ3c5NWJxNUdsYTJOMldsR01VamJnTGNLM2UxQ294VjBVd2ZXU0gzNFhrTGFTUUY3eEpmYnN4QmJDNjFoVzhMc2p5empLOEd6YXZENFFEVEZPSi1OSVIzSDJvcEhLYW9kQlp6dE5fRWhIQ3J4OFJudkhWeA?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64411 (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/27.json (key "64411", 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=64411
- 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