# AMERICAN EAGLE FINANCIAL
EAST HARTFORD, CT · NCUA charter 68659 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/american-eagle-financial-68659

Who the members are: state charter, organized 1935. 167,531 members of 2,677,854 potential (6.3% of the field); checking penetration 76% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.76B |
| Members | 167,531 (2.6% YoY) |
| Full-time staff | 357 |
| Net worth | $269.5M |
| Net worth ratio | 9.8% (p29 of band) |
| ROA (annualized) | 0.55% (p36 of band) |
| Total delinquency | 0.68% (p57 of band) |
| Net charge-offs (annualized) | 0.30% (p24 of band) |
| Loans / shares | 72% (p18 of band) |
| Cash / assets | 14.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.96% (p25 of band) |
| Operating expense / assets | 2.91% (p33 of band) |
| Vehicles % of loans | 33% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 72% |
| Third-party paper % of net worth | 174% (p61 of band) |
| Vehicle delinquency | 0.47% (p36 of band) |
| Vehicle NCO | 0.64% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 33% |
| Average share balance | $6,684 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $68.5M |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $25,902 |
| Loans granted, annualized | $536.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $68.5M outstanding purchased (25.4% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 5.3% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | 3rd-party paper>100% NW |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 2 | loans>95% of shares |  |
| 2017-12 | 1 |  | loans>95% of shares |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 2 | loans>95% of shares | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | loans>95% of shares |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, losing money |  |
| 2020-06 | 4 | thin capital |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 2 |  | losing money |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | thin capital |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 4 | thin capital, delinquency rising, loan book shrinking |  |
| 2024-03 | 6 | net worth falling, margin squeeze |  |
| 2024-06 | 2 |  | thin capital, delinquency rising, net worth falling, margin squeeze |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | assets shrinking | loan book shrinking |
| 2025-03 | 3 | members leaving |  |
| 2025-06 | 2 |  | assets shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | net worth falling | members leaving |

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

- 2026-05-06 [American Eagle Financial Credit Union donates $26,607 to Greater Hartford nonprofits as part of Cash Back to the Community program - CUInsight](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPZ2k5NGc4SlowRUEybXVGLUhLRE16c2YwV21ZSk4tdDFGUTUtYjl4cHNCRHRPSlpSdk9OVXRVS0MtMzRtbDJHaTkxaFhOT3Bna0FyaXlKaEoyX0M4a1U0WXBaRXdJZ0tOcEQzS3VRY1VqMVVZV1diME1DdjFKQjQ0TlhtV1h2UV9JcEhybjFuRXM5Tk1zQUxySERYWEpEQjRkS1E3RHZYRTlQR2hFTDBFRkQ2SmhuZFBFUnktUjJjZml4THRXcUxGci1TZk1HT3hxazIyV3ZwbEV6Nk5iNnE2cGdROU9nN1VlVmc2Xzh0bXBWSk1BQkpCT19RaXJGQQ?oc=5) · CUInsight
- 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
- 2026-03-25 [PHOTOS: CT students test real-world budgeting at financial reality fair - Hartford Courant](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOcnhmTFE1UjVYOTM0R2RjX05XQktXa1A2QlJUU0VMbmx5UmNLQm4xbFFGWVNUT1FzN243am5Ra2VUaTJDZFBvaDBtTnVpM1IyYVNwMlZQbjcyclN0ZjU4WU1KY1E0d001cm5PLUpKaGRoemQ2cnBFa1lfRWJScjlXZXpsc2RWODVCNnB5V21ZbjJKaTltenhaMEUzUGtiQTFpeXc3NWplTFJCZw?oc=5) · Hartford Courant
- 2026-03-31 [American Eagle Financial Credit Union hosts 3rd annual Financial Reality Fair for high school students across Greater Hartford - CUInsight](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQUXgtV3JTVjZvZS1LVEQ0X1RvZ0Q3RTNZU1JWQ0RxaVJiWmVDSzduWUkyMzhCRmYxUF9VVFZSa2QtZjUtbktTREM1N1M0S3pGZ2tydGVjbEcwa2dnQVJNVjQ1UU5SdVBUdXRoUksxZmdvM3VBSUpsczdVWWp0VnBMWHpkUUQ0STBGNlhrRmtvVWtOWkxKaW45RDlucWw1ZlBnVjdWNW0tTG5GS1BYbm81S3Y3QUxNZk5LSkd2S3N3cWFiN29ncTZuMWEyd1NjaThpQmVWN3J3aDNpd2xNY0puRW9jT2E5cHpuRnEtVWxqMnFJeEluTV9zMjJCTQ?oc=5) · CUInsight
- 2026-04-08 [High Schoolers Learn Value Of A Buck At Financial Literacy Fair - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxNaG9jeEkycDRLUTVBMDVmTURPbjItbG5wOC15YVJDVnNfeVZZT1VLRGpVSnlqSzlUSzZDdEtERTRVWXNtWUFiSW1NcVVCNTZNOEdOUjRIUWhaSkVJTUJ3N3ZVczBTN0ZqY1lHMTFuZHpxMDdZVDE4TWdsY3E1QXZhR3U5WXZZVzcyVEhXWmpqREFlQkdMa1ZfUWln?oc=5) · Patch
- 2025-10-03 [Making an ImpaCT - American Eagle Financial Credit Union - fox61.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNTHNEc0R0UG9uNGZocUpCNUlhRGxLaWhjdGRRM1JlZWN6Znl6dGFuaE5ON19vYVhuQTNMTjYyeDRQX1EwX1NudnBlb1RDMUw1dEptbVJ3VGxFTm5ET0FIRXoxeklWcXF4el9tUlUzaHhqWDV6T2RVUF9kQTF5VFZDNVF5aWF2d1JKWlFjS3Q4X28xa0NvRkp0MXdXSGhETVB4M2RId2RiVWhucUprTWdsTW9vN0NlcWY3b2JWbmlFUlZPQ2ludm9zYnFmVWVkMnJqV0N3WUNpbm9NaUJoZk1wQnRiZVFtQ0Y3dmp3?oc=5) · fox61.com
- 2024-02-22 [East Hartford-based American Eagle Credit Union seeks merger with smaller Hartford credit union - ctinsider.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxPZkRuVW5kTE9KNUtiLVRYT29ON0lKQVpKUWxrYnlPUU5lamhad1czQnpaT2o4S0szek5LMDFuNHhoQWxZNGYwY0VUN3ltSDRpOUx6TjVMbWdpNUU5ZVBPZzRDaDV4ckdCWWdDakRMaEYySWVIai1ONWdaMFU4LUJEZnNxNUN5ZU9ON2NMdGsyWm5iTFhoTWFhcHdQLWlReUR2b1A4?oc=5) · ctinsider.com
- 2024-05-22 [American Eagle Financial Credit Union - wfsb.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQemR2RWNNNmoteVFQc3lham9ONzdFMjJGM2h0ZF9pNXZMdTNneS1iZVo4RWZ4LVNFdDRGSjNxSUsyY2NWRVlUVWZrc3dSa1VIelV1Z2hzLUlzbTdEQUM4M280dnRDdlVmTVI5NnBWRmYwSjB4RmR2S1duRmpzR0F6Z1Z3?oc=5) · wfsb.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68659 (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/51.json (key "68659", 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=68659
- 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