# EGLIN
Fort Walton Bea, FL · NCUA charter 9788 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/eglin-9788

Who the members are: federal charter, multiple common bond, organized 1954, low-income designated. 121,775 members of 507,000 potential (24.0% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.09B |
| Members | 121,775 (-1.8% YoY) |
| Full-time staff | 424 |
| Net worth | $393.9M |
| Net worth ratio | 12.8% (p80 of band) |
| ROA (annualized) | 1.01% (p75 of band) |
| Total delinquency | 0.31% (p16 of band) |
| Net charge-offs (annualized) | 0.46% (p44 of band) |
| Loans / shares | 35% (p1 of band) |
| Cash / assets | 18.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.72% (p16 of band) |
| Operating expense / assets | 2.25% (p10 of band) |
| Vehicles % of loans | 48% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 36% |
| Third-party paper % of net worth | 42% (p23 of band) |
| Vehicle delinquency | 0.34% (p21 of band) |
| Vehicle NCO | 0.60% (p25 of band) |
| Repossessed % of vehicle book | 0.17% (p78 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 20% |
| Average share balance | $10,908 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.1M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $16,784 |
| Loans granted, annualized | $415.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.1M outstanding purchased (0.3% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 5.1% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | net worth falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-03-25 [Eglin Federal Credit Union opens new location in DeFuniak Springs - Get The Coast](https://news.google.com/rss/articles/CBMilAFBVV95cUxNNkFOcXgyd0NlNlU1MzBhREt2Q09aN1MxREtISFNVVlpXbVpvTVQ3dEpUYmpZay0yU2s3R1BlRHcxTXo4M3BzUS1jbnVIXzRfYnBacEFqU1VRd2RTRnIwb2daZmluZlAxVjZhSTIwc2lpRzBfd212c185cEZnTUU3SUljdHFSbklhWFBVdDNwa05EQXFH?oc=5) · Get The Coast
- 2026-03-24 [Eglin Federal Credit Union announces 100,000 sqft Operations Center in Fort Walton Beach - Get The Coast](https://news.google.com/rss/articles/CBMihgFBVV95cUxPbkFuWW9pMkRwU18xWm9ZUndmRjJfMXFTdGdoTExvU19QTkJySGdIN3laZUJmQlQ5S2pSY2tUbUlraHZqckhoTkk2UnFfWFd4M3I1T1FOUVlFYW1ETGVHbFNCTDVmU0lwMWx5R1BYM1BGRnd1U1lzVmNHV3hXaVJrNTBUeHlPdw?oc=5) · Get The Coast
- 2025-09-30 [NWFL credit unions ready to support military members amid gov shutdown - WEAR-TV](https://news.google.com/rss/articles/CBMirwFBVV95cUxQSkMtYUoxT0FBRlEzbEYyTUV4STgweEUyLW16N1hfNHJNZUxfQ0FKNXRYcnZzT1hNbU9na0NVOTEwMmszUGRyX1BTalFycHhEbnk4Y0pEakE2STYtVFJ4c1R1bUhZaWZHeHBpTXMyUVVTSnd2WVl2R2xiMl81NzNtX2VGVzZfalBYY0dkQUlRVHJac1lEb1dFeFJtcnlvS3VsM2lIeWx5SkVvM2xjb3Aw?oc=5) · WEAR-TV
- 2024-09-04 [Eglin Federal Credit Union Promotes Neko Stubblefield to Senior VP of Membership and Community Development - Florida Chamber of Commerce](https://news.google.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?oc=5) · Florida Chamber of Commerce
- 2025-07-30 [Eglin Federal Credit Union donates $50,000 to Westonwood Ranch in Walton County for technology support - CUInsight](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPM3RuVVNqWTRYZHJuZXpQSEVJREtTZC1KYm9aZUowX01ZbjNvYjUxZG9DbEJ6NXVuNzM0c2dRay1ZamFNYWlmMXp4anhtSkdNaHVZUmZYZGNZVnpKZFNDNjFmRHFWU0xfWDRMZk1ZRVpmVnpBTHlRTXEtUFZ6bE9XZFVETDJ1cnhmejhwaGFvQW1CbXhxZE1zMVF0Qko1c3hUOEpsLW5GdndRNGlHczB1RWJ6TmhVdzFJYmcxYUVnZ2dSd1VfUnBTYnNTeXNVSFdldlpVWEp0R0U?oc=5) · CUInsight
- 2025-05-27 [Eglin Federal Credit Union unveils new operations center in Fort Walton Beach - nwfdailynews.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNYklJTW9uQzAyMk44U0JkdVpjNExIWnJrckRXVjhJd2NnaEdaRFlaQjBqanI3bzg0b1FJSUFhUWNjOXdsWVlZSzhrNlNBUWY4RWtNMVp5NktrbHVlWmgzNzJ1U3pxbFlWSUFhMzhDQm8xZmxsbnJfbFlsSTJYWXd0dmNpNURaQnhaQUstMTdRWFh1ZE9jalRLcDJPOGRHOUp1b3d2d1FhTmw2aGQzYU5qb1pwSTdXbDE2M1VFSEFTaWVRcEtiUllNd1l6R3Z0ajJu?oc=5) · nwfdailynews.com
- 2024-07-15 [Eglin Federal Credit Union Opens New Freeport Branch - Florida Chamber of Commerce](https://news.google.com/rss/articles/CBMihgFBVV95cUxPMm5yTW0wRWJ2dlZuZDBKdnVqcUR6MkJZWFRBS2ptb2ZlY2NzUmRTb2dBODRFeXkxU3BmeWJDTXFZb0t4VEZVbGVsZVkxQ1FPM1BGRTRxMUFUMGJiYktKSFNVZWtOU0s2bU84bGwxeVhsSkRXeUdTa2xOcVRtZGZ4LUhhSzRoQdIBhgFBVV95cUxPMm5yTW0wRWJ2dlZuZDBKdnVqcUR6MkJZWFRBS2ptb2ZlY2NzUmRTb2dBODRFeXkxU3BmeWJDTXFZb0t4VEZVbGVsZVkxQ1FPM1BGRTRxMUFUMGJiYktKSFNVZWtOU0s2bU84bGwxeVhsSkRXeUdTa2xOcVRtZGZ4LUhhSzRoQQ?oc=5) · Florida Chamber of Commerce
- 2024-07-11 [Eglin Federal Credit Union opens new Freeport branch - CUInsight](https://news.google.com/rss/articles/CBMimAFBVV95cUxNZWRQWThtbC1RYl9FVExNMUNPcE5mcDNta09oQ0pPTUFhbHNYSUVvWk9kaldDdXNJVF9BeWVDN3lmSTJybDhYWUREdG9qUEU4Snlib1lGR2d2SV9tWTh4eXgzZ0hLWGF5QUlZOFMzVzBpYkNRNDlVeFVlVTI1LUgtU2FTUWJfLVNiM2ZLTjkwNzZiVS13bTBfZQ?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9788 (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/60.json (key "9788", 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=9788
- 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