BlastPoint's Credit Union Scorecard
EAGLE ONE
Charter #464 · DE
EAGLE ONE has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.42% above tier average
- + Strong member growth: 6.6% YoY
- + Total Members: Top 1.4% in tier
- + Total Deposits: Top 1.5% in tier
- + Total Assets: Top 2.3% in tier
- + Total Loans: Top 4.4% in tier
- + Member Growth Rate: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Efficiency ratio 2.70% above tier (higher cost structure)
- - Delinquency rate 0.79% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,677
+6.6% YoY+14.8% QoQ
|
+7.1K |
2,615
-1.9% YoY
|
17,002
+8.0% YoY
|
33,374
+5.7% YoY
|
Top 1.5% in tier |
| Assets |
$93.8M
+8.9% YoY+6.9% QoQ
|
+$63.7M |
$30.1M
+2.1% YoY
|
$210.6M
+17.0% YoY
|
$561.6M
+9.7% YoY
|
Top 2.3% in tier |
| Loans |
$52.1M
+7.0% YoY+11.1% QoQ
|
+$36.3M |
$15.8M
-1.3% YoY
|
$130.5M
+17.1% YoY
|
$397.0M
+8.8% YoY
|
Top 4.5% in tier |
| Deposits |
$83.5M
+9.1% YoY+7.3% QoQ
|
+$57.8M |
$25.7M
+1.4% YoY
|
$186.4M
+17.6% YoY
|
$477.3M
+9.7% YoY
|
Top 1.5% in tier |
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| ROA |
0.3%
+54.0% YoY+32.1% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
2.3%
+136.3% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
4.4%
-0.6% YoY-1.2% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.4%
+5.3% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
85.3%
+0.4% YoY+0.6% QoQ
|
+2.7% |
82.6%
-2.3% YoY
|
76.4%
-7.9% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
2.3%
+66.0% YoY-8.8% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.8%
-3.1% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
62.4%
-1.9% YoY+3.5% QoQ
|
+1.8% |
60.6%
-3.1% YoY
|
48.0%
+1.1% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$14,010
+1.5% YoY-5.3% QoQ
|
$-773 |
$14,783
-1.4% YoY
|
$14,177
+3.6% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
22.1%
+15.6% YoY+4.3% QoQ
|
-2.3% | 24.4% | 13.2% | 19.8% | 50% |
| Indirect Auto % |
0.7%
-65.6% YoY-34.5% QoQ
|
-13.1% | 13.8% | 7.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)