# EAGLE COMMUNITY
Lake Forest, CA · NCUA charter 66847 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/eagle-community-66847

Who the members are: state charter, organized 1937, low-income designated. 23,159 members of 39,355,309 potential (0.1% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $411.4M |
| Members | 23,159 (2.6% YoY) |
| Full-time staff | 110 |
| Net worth | $39.8M |
| Net worth ratio | 9.7% (p25 of band) |
| ROA (annualized) | 0.34% (p24 of band) |
| Total delinquency | 0.45% (p37 of band) |
| Net charge-offs (annualized) | 0.99% (p87 of band) |
| Loans / shares | 91% (p89 of band) |
| Cash / assets | 13.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.22% (p99 of band) |
| Operating expense / assets | 5.05% (p94 of band) |
| Vehicles % of loans | 27% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 374% (p97 of band) |
| Vehicle delinquency | 0.32% (p29 of band) |
| Vehicle NCO | 2.62% (p94 of band) |
| Repossessed % of vehicle book | 0.15% (p80 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 36% |
| Average share balance | $9,727 |
| Participations bought / yr | $0 |
| Participations sold / yr | $18.3M |
| Participations outstanding | $9.3M |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $25,595 |
| Loans granted, annualized | $117.6M |

## Participation posture (from the same filings)

Bought $0 and sold $18.3M in the latest annualized quarter; $9.3M outstanding purchased (23.4% of net worth), $10.0M sold and retained. Sold in 4 and bought in 0 of the last 8 quarters. Shares 13.8% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 1 |  | thin capital, net worth falling |
| 2018-03 | 3 | delinquency rising, auto monoline |  |
| 2018-06 | 3 | net worth falling | delinquency rising |
| 2018-09 | 1 |  | auto monoline, net worth falling |
| 2018-12 | 2 | leaning on borrowings |  |
| 2019-03 | 3 | net worth falling |  |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 3 | delinquency rising |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | delinquency rising |
| 2020-06 | 2 | net worth falling | leaning on borrowings |
| 2020-09 | 3 | thin capital |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, thin capital |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | expense trap |  |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 4 | delinquency rising, charge-offs p90 |  |
| 2023-06 | 2 |  | delinquency rising, charge-offs p90 |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 3 | charge-offs p90 | delinquency rising |
| 2024-06 | 4 | delinquency rising |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 2 |  | charge-offs p90, delinquency rising |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | net worth falling |  |
| 2026-03 | 3 |  |  |

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

- 2025-10-22 [Federal credit unions introduce programs to help members affected by federal government shutdown - abc7.com](https://news.google.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?oc=5) · abc7.com
- 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
- 2024-08-28 [Best Credit Unions to Work For with $200M to $500M of assets in 2024 - americanbanker.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxNbEtld0dKUUJzT0ZJbmV0MmRVVVNzTFAweHZiUXhkTnctWmtmNU8tUHJwSnFSNWp3MGZUdXNRV1ZzLWI4SDZIbmEtOFU3ZkNjUi16UUtRSy10ODQ1QkszYzAwTHZlNFRQQVV1ZkdRdnhIVHpoaUdWUTZFdUd6Sm1aM1U5NERkZ3Y2b1lwLVpWOXBJZ1NudVpSbWZubVl3RVEzZTNkaXJtZlN0UjZxZUhZTDlhY19Ydw?oc=5) · americanbanker.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
- 2025-05-10 [Congress to consider removing tax-exempt status of credit unions as part of reform legislation - abc7.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxQb214VXNlN0J2VXpTSWJlTklGOWZzMUpVR0xVeTlCVTZvemxneXBLSm9EcUMtWm95aEtGZUlqa3hGSDR2c0FXZVVmQlVxRzBzVWJ1bjY5UDRDUnpacUJfTVUzWFNWUjlUNTgxOExXZFV1dVB1eVpkXzA2dTk1bDNZeExOLWl6eXRiRkZlSWIydnlKMDVzcDBZbEEzWXZ2cS16NGF1VE5zcFVaMzJXS2hIUkhyb2_SAboBQVVfeXFMTURNRWt3Q2FiSHdXTzZsZ0FSMUhxaF91X29aWDBKeHZyMU00Zm8xNmlpMlpkck9mX1ZHM255QVlqZ3pTdl90WVMtaUlMNXEyZkx3MjlDeVZoWHAzR2ZaaFJXZlRBQjhxdElaOFQwMWxUdHpRMWRoc0RZcUNnZVJpdmZ0T2g3UzNMXzY4LTFMbmVOMVVtZnk3UWdhRmJidEkwSmxhbVlpeXVBU3k0NnlJUmZRRmU1RTdhWlNn?oc=5) · abc7.com
- 2023-05-08 [Stamp Out Hunger ® Food Drive Kick-Off - California newsroom - about.usps.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOS1MzTlNhMko2WHlFaW5lQzdPYzV6QnloWDRFVENmcmtMUmlCbHFIRVdDQ1g4enU1SVhES1NuQ1I0R3pvTW91VmpKMEd2cnpfM1Nic0Rfb18xUkkyWW4xQTAyQjFUZkVRcGV0VmszcWhRaGdac1BMTDAwUXV0MFcxaEdSN1hiSEZ1ZHB4TFJqdlVyYVFRTXc?oc=5) · about.usps.com
- 2024-08-07 [Valley First Credit Union appoints Mary Roberts as new Chief Financial Officer - CUInsight](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPMF81ZHlOWXhiaC1LXzRzRjJBclFINXRzbjZRRVNNWlprb0FFOTNMTEJ0REJxQm9yZ1VoOFdVejVRSVNCRC1fczVXZFdjTm1GN0M2cUU3ZERmRWZBVUZvM2JjV1lVckRmenB2Nml0MjJkMTdSX2E1WEktS09mbVZVUTV1NHVTcWJ6SlhrV0oxSVRJQ0xIV0Y5UkNzUmkwSDZHdFFueG5yZWdweDFSM01MYldSMkh5Z3VhOFFF?oc=5) · CUInsight
- 2024-08-25 [Best Credit Unions to Work For 2024, ranked 1-35 - americanbanker.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPaHA5cllGQ2xhLVVGWFJTVTVYVTdkVG5jZlpxZllYSEI4NktzT1ZyZC1FNFdjVUdyZnlkM0hxQ1lOc2VXbTNZSzJ3b2hoQUM3cnd1VEQxVkRma3ZwOGp4Tkw3TGxmMGZsb0VZQ0dfakZLLTRwaktMUnZCZ0d0U1dWLU5iMXBtUm5wY3A2dVhSbTVEc2JvcXc?oc=5) · americanbanker.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66847 (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/31.json (key "66847", 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=66847
- 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.

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