# EATON FAMILY
Euclid, OH · NCUA charter 68354 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/eaton-family-68354

Who the members are: state charter, organized 1937, low-income designated. 10,958 members of 500,000 potential (2.2% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $78.4M |
| Members | 10,958 (-3.8% YoY) |
| Full-time staff | 20 |
| Net worth | $8.3M |
| Net worth ratio | 10.6% (p27 of band) |
| ROA (annualized) | 0.05% (p15 of band) |
| Total delinquency | 2.16% (p95 of band) |
| Net charge-offs (annualized) | 0.44% (p67 of band) |
| Loans / shares | 77% (p80 of band) |
| Cash / assets | 7.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.91% (p63 of band) |
| Operating expense / assets | 4.32% (p75 of band) |
| Vehicles % of loans | 18% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 17% |
| Third-party paper % of net worth | 42% (p74 of band) |
| Vehicle delinquency | 5.78% (p99 of band) |
| Vehicle NCO | 2.45% (p95 of band) |
| Repossessed % of vehicle book | 0.89% (p99 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 85% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 27% |
| Average share balance | $4,165 |
| Participations bought / yr | $520,000 |
| Participations sold / yr | $520,000 |
| Participations outstanding | $4.1M |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $16,172 |
| Loans granted, annualized | $9.9M |

## Participation posture (from the same filings)

Bought $520,000 and sold $520,000 in the latest annualized quarter; $4.1M outstanding purchased (49.2% of net worth), $4.9M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 3.2% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | members leaving |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | net worth falling |  |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | net worth falling |  |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | members leaving |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 2 |  | charge-offs p90 |
| 2020-09 | 3 | margin squeeze, charge-offs p90 | net worth falling |
| 2020-12 | 1 |  | margin squeeze, charge-offs p90 |
| 2021-03 | 3 | net worth falling, charge-offs p90 |  |
| 2021-06 | 1 |  | net worth falling, charge-offs p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | members leaving |  |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 | charge-offs p90 | members leaving, delinquency rising |
| 2022-12 | 1 |  | charge-offs p90 |
| 2023-03 | 2 | charge-offs p90 |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 | leaning on borrowings | charge-offs p90 |
| 2024-03 | 2 | net worth falling | leaning on borrowings |
| 2024-06 | 2 | delinquency rising | net worth falling |
| 2024-09 | 3 | charge-offs p90, members leaving | delinquency rising |
| 2024-12 | 4 | assets shrinking |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 | net worth falling | assets shrinking |
| 2025-09 | 5 | repo signal |  |
| 2025-12 | 3 | delinquency rising | charge-offs p90, net worth falling, repo signal |
| 2026-03 | 4 | repo signal |  |

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

- 2026-06-29 [Eaton Family Credit Union of Euclid thanks members with hot dogs, fundraiser day - News-Herald](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRnYwOTZJX3pXdnFxX3J0alpfTW44NElzZlMyV2YwazdudFd2RDY5MHdlT0t5Zml4aDlpWndQSURrd2V2di1fN0F6YXRyNnM4clpvTmk5b3A1YnEtMzl5aDN3LTV4SThrWHVudmUxQUxtQkVnRVhoNENlM25LazJVYU01NVRJbzhTRXl3SXo1bm1VWG8zUF9HTTd6ejZ4TG92QnJDMzIyc1BFM2pqN2l4YnRZei1EWVh4YU1V?oc=5) · News-Herald
- 2015-05-04 [Outside Credit Unions Expand in Arkansas - Arkansas Business](https://news.google.com/rss/articles/CBMiigFBVV95cUxPZENKYWxGREtfUmV5Nk1vV1F0bk9jSnJtOUlQZUE2NzNlLXYzOU1kbnlRNWdzT0xsLVZaYzJscUxxQnh6bS1wUG1wVWNadzBfN2RodllmSnVBUnlXYTZUd1JLUEl1TE1tVUVGdWhhMXdiaGN1SDVqZXF2WmowOXpjbG92Y2ZfQUtCbmc?oc=5) · Arkansas Business
- 2023-02-09 [ROBERT Santoro Obituary (2023) - Lyndhurst, OH - Cleveland.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOeGNoMTZ5cTF4bFRsUXJGR3VrRHNEQnFUSnZOZDlHUHg1Q1NoWFozakF6OG9Qb1FMa2p4ZEcwV3NicUc0c29yYi1CbFdHNGl5WWRkbnR0STJCdWoxTjRVYzViNndmbzlPYUJOdUxDWnFVcmlCNmpTdV81SXlzNGpYTXVKVGh3ZzF5SV9xQld3akNmTFZrRDlr?oc=5) · Cleveland.com
- 2017-03-20 [Authorities search for Euclid bank robbery suspects - WKYC](https://news.google.com/rss/articles/CBMipwFBVV95cUxPQld6TkZqZ29BMG42ZVVEOWdFbGluYVM5MWFNck9tczhsQzg0ajdEY1dzbU50SFNVRFpyVDJoWlRnNmN5S0NYZW82MU9Nd1F2eDVQT25OLU1aY3JCM2IwaWNlU2lYY0FOaS1KVFNmYkhFbmpDblIyN093UWhkcGhJeTAzaWJmRnQ3ZVU3a25WRFl6MGh5cENUWHowdGxqdlVsYTBNZjFldw?oc=5) · WKYC
- 2017-03-20 [FBI searching for 3 suspects wanted for a Euclid bank robbery - Cleveland 19 News](https://news.google.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?oc=5) · Cleveland 19 News
- 2021-11-29 [Brian Hans Detlev - Cleveland.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQU3VLMDBUWG1Tb3BFcjBpOS1xRFN3em5iYVhJWXI2N0ZqMGsxUlZnLXNmUXk2blA1elpQR0VLTHpON2VTb1JIVk9vWnJzaXVkOGJDdkZMSVQzUlQ1dWpFVXhHMWt4OGJkaU9nMi1JNFFQOWdHLXJoMjZJMGpCSnJOa0ZKY0IybU1pNkxucjZTVmVXT0g5?oc=5) · Cleveland.com
- 2024-05-28 [Charles Messina Obituary - OH - News-Herald](https://news.google.com/rss/articles/CBMibEFVX3lxTE1rZGItSlZkVi1FOWtpLVZpQjE4M3JGSVJBMElremhuMEg3RHZEMmFJbGtRMzU3eWVrVUdqMlVhakN3NUZ6OFozSkdGNm42OWxQdi1ZU1E5YXZhT21NZ3lSY1dEbjk5bXJORHlaWQ?oc=5) · News-Herald
- 2021-10-30 [Charles Messina Obituary (2015) - Mentor, OH - News-Herald - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQSXpVN2xubjdZVjd2NkI3WDVUaTF0RnQ3akhQU1NhLU9FOGc3RXZ1N3BNVmwxcGRfMWlzQnFRTWg3Z1ZIZm56SjNOMmFqTk5FVFc2QjZDS3NiN296N3BQZkpHZUhCd2ZQSENXcm1CbHl6R1o3RG5CdFhsc2RZb25icVhDYW85cDg1VGM4Zm1QbEI0eXl1?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68354 (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/2.json (key "68354", 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=68354
- 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