# U.S. EAGLE
Albuquerque, NM · NCUA charter 808 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/u-s-eagle-808

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 98,947 members of 309,674 potential (31.9% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 54.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.48B |
| Members | 98,947 (3.1% YoY) |
| Full-time staff | 312 |
| Net worth | $120.4M |
| Net worth ratio | 8.1% (p5 of band) |
| ROA (annualized) | -0.90% (p0 of band) |
| Total delinquency | 6.63% (p100 of band) |
| Net charge-offs (annualized) | 1.64% (p97 of band) |
| Loans / shares | 79% (p29 of band) |
| Cash / assets | 8.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.70% (p76 of band) |
| Operating expense / assets | 4.66% (p97 of band) |
| Vehicles % of loans | 49% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 75% |
| Third-party paper % of net worth | 349% (p90 of band) |
| Vehicle delinquency | 0.20% (p12 of band) |
| Vehicle NCO | 0.51% (p18 of band) |
| Repossessed % of vehicle book | 0.16% (p73 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 209% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 22% |
| Average share balance | $7,035 |
| Participations bought / yr | $0 |
| Participations sold / yr | $12.0M |
| Participations outstanding | $58.9M |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $19,788 |
| Loans granted, annualized | $326.5M |

## Participation posture (from the same filings)

Bought $0 and sold $12.0M in the latest annualized quarter; $58.9M outstanding purchased (48.9% of net worth), $73.9M sold and retained. Sold in 8 and bought in 6 of the last 8 quarters. Shares 0.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 2 | auto monoline |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | members leaving | net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 | charge-offs p90 | auto monoline |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | members leaving |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | delinquency 2x band |
| 2020-03 | 2 | delinquency 2x band |  |
| 2020-06 | 5 | net worth falling, margin squeeze, delinquency rising |  |
| 2020-09 | 1 |  | delinquency 2x band, net worth falling, margin squeeze, delinquency rising |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 2 | net worth falling | margin squeeze |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2021-12 | 2 |  | delinquency rising |
| 2022-03 | 4 | margin squeeze, delinquency rising |  |
| 2022-06 | 2 |  | margin squeeze, delinquency rising |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 5 | net worth falling, expense trap |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 4 |  | net worth falling |
| 2024-12 | 5 | losing money |  |
| 2025-03 | 5 | net worth falling | expense trap |
| 2025-06 | 5 | assets shrinking | delinquency rising |
| 2025-09 | 6 | expense trap, charge-offs p90 | net worth falling |
| 2025-12 | 5 | thin capital | assets shrinking, charge-offs p90 |
| 2026-03 | 7 | net worth falling, charge-offs p90 |  |

## 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.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?oc=5) · KRQE
- 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
- 2026-01-08 [Marsha Majors retires after 40-years of service to U.S. Eagle Federal Credit Union; company announces Michael Moore as new President and CEO - CUInsight](https://news.google.com/rss/articles/CBMiiwJBVV95cUxNYzNLN2Y1a3k3c0tzN1RtSU5CTXlIQ0p3UHdTZDNPbVFfVGlzZks3R0NEUWdnakMwb0tFZjdaNGRqZUxKUXYydHV6V2NrRFNtNjB4TmlBVU0wSDh3T01mNUtsRHlVRlgzeXp2OXJyNDA1VU8wMW5pVUlJbEloNVJ1QTZhNUJKUmZ6OW9vTFEwcE4wcl9TY29zQUVremFPWWMxaXhLZmFaNkFZbWlSTUhFS3BGNm9UVGJibDNOa0ZGa2haaHJWMDVoaFg1c0FqclJ5eUdJNFBrZUYxdF8zYUJlMmJEcU1UZEtXSThaTGdSdl9UN0EyQkVhMmdUcDNzdnhLdmd1ZFRjSzFKWkE?oc=5) · CUInsight
- 2026-01-09 [U.S. Eagle FCU Announces CEO Transition - CUTimes](https://news.google.com/rss/articles/CBMifkFVX3lxTE1vQlZTakdPdzVnLUVIeW1XcEpYOHNsWGxPazR6VldBZk50R1hkSW83QWJXbGt5M3ZEeWJPMTktajM2cmdrSV84Y0c1OHJvUDBrdnM1RGFsekpLSUhqUm05RnFqcUxqcko0dzZKb29HTHJoZ3J5S0FsYlVtYzlfUQ?oc=5) · CUTimes
- 2024-09-03 [US Eagle Federal Credit Union to buy Southwest Capital Bank - KOB 4](https://news.google.com/rss/articles/CBMilgFBVV95cUxOeGdYbzJ4bWI2SHhBOVctQlJnY3ZGdTBkYTVWZXBobzZlXzhDMzlIM01OLWNEQUthWVNzMC1IODZuQWd5SlZ2Y3NiQjFudnZtLTFxMG14dnZ3RTVwSEJ3TlQ0SnlrMnRhbWZqNE9RbkdVcmFFc3hXRUF2ZmEtRERCN1FOWHhtWWRGTUlCUmQ4VGpYUlR4Vmc?oc=5) · KOB 4
- 2026-08-20 [US Eagle to exit cannabis banking as competition grows - Albuquerque Journal](https://news.google.com/rss/articles/CBMiogFBVV95cUxPbDlDbGJRSXRKNmZvSER5MWtKUzJiUmhydEdsazRFUThDZFZvZE9hWEd1UGstbXpLYVRvZVdHLXE4TkxPOVNpODUzeTJqSGJnSlRnbklnUWxrYnlRZnBDR05TWHp3MWd1ZTdnbXU5bVBkMHFoRFZSOHBxcU50ZnlXam91X3U1elFpNkdmbjNLb0s3YmR6V3lsMnFXNGhDanR3YUE?oc=5) · Albuquerque Journal
- 2025-06-27 [Forbes names U.S. Eagle among best in New Mexico - Tri City Record](https://news.google.com/rss/articles/CBMikwFBVV95cUxOLVRDSF9RSTRkU3BqZE1UUzBlNjkteHFXZ1l5Mm41RFQzei04ZnBOMF9mZUVYQ1FjMF85Ylo4czRuQWlsUUJ1X1pUNEdiSVk3S3BTZkhWdnUxc1JHZG9wU1Z0NTdOdUZWZU1TVGFSSXRrcjVDMnRCNmJhVVBaeUpvUjJqREptRjlvSG9kQmVqNGtubDA?oc=5) · Tri City Record
- 2024-08-16 [U.S. Eagle Federal Credit Union to buy Southwest Capital Bank - KRQE](https://news.google.com/rss/articles/CBMinwFBVV95cUxQWWhOS2RJQzlyTzFKYndFdkRkZzlOZmNvU21KUllMVmVwUlg1M0VZbF9SR3QtUzVLUDZRQ0dfUnRoVzJ0dnZRNVBBN3o4TmhNZ0NxS3BXRzJOcTBOVzhUVXp0aFBNUzZ0a0w1NzFmZG9CTm5FZDYtbHFQQnlWOEZPcEF1Um85WXhGeFRJeTA4cHE4SElYVDhfaC1vV1hkUkXSAaQBQVVfeXFMTXdBY2dveE53TkN6SGYyWTRRaWZDMFJsVERFeE5yWXVNUGRUWGpGb2s2MU1tRWd3dG9aajFUeWh6RXFfS3I2MXprMjVjUm16dTUxWlpLbm5GYTFQbGh6dm4tQ29WbmR4dUJSVDM1SlR2d3FTX3dGSm8wR3dXblRMWkdXRG5TRzM2RG8tYmkwV2txOHpEaFJlbG9HclljeFFmdXRCUmo?oc=5) · KRQE

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=808 (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/40.json (key "808", 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=808
- 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