AMERICAN EAGLE FINANCIAL

Charter #68659 | CT

1B-3B (304 CUs) Mid-Market (380 CUs)
5 1B-3B in CT

AMERICAN EAGLE FINANCIAL has 7 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 1.0% in tier
  • + Relationship Depth Leader: Top 6.0% in tier
  • + AMR Growth Rate: Top 1.6% in tier
  • + Loan Growth Rate: Top 6.2% in tier
  • + Total Members: Top 6.2% in tier
  • + Members Per Employee (MPE): Top 8.6% in tier
  • + Total Deposits: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 4.2% in tier
  • - Stagnation Risk: Bottom 6.7% in tier
  • - Growth-at-Risk: Bottom 16.2% in tier
  • - Indirect Auto Dependency: Bottom 26.0% in tier
  • - Credit Quality Pressure: Bottom 27.7% in tier
  • - ROA 0.03% below tier average
  • - Efficiency ratio 3.91% above tier (higher cost structure)
  • - Member decline: -9.3% YoY
  • - Member Growth Rate: Bottom 4.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Members 170,351
-9.3% YoY+2.2% QoQ
 +71.7K 98,678
-1.9% YoY
 13,754
+3.9% YoY
 33,089
+6.1% YoY
 Top 6.6% in tier
Assets $2.6B
+0.3% YoY-1.8% QoQ
 +$836.8M $1.7B
+0.5% YoY
 $223.0M
+8.2% YoY
 $547.7M
+7.8% YoY
 Top 12.5% in tier
Loans $1.7B
+15.3% YoY+4.4% QoQ
 +$480.2M $1.2B
+0.5% YoY
 $129.0M
+9.8% YoY
 $388.7M
+8.6% YoY
 Top 18.8% in tier
Deposits $2.3B
-0.2% YoY-1.9% QoQ
 +$805.7M $1.5B
+1.3% YoY
 $195.5M
+7.9% YoY
 $464.6M
+9.3% YoY
 Top 9.5% in tier
ROA 0.7%
+87.9% YoY-2.4% QoQ
 -0.0% 0.7%
+13.4% YoY
 0.4%
-140.5% YoY
 0.7%
+273.4% YoY
 52nd in tier
NIM 3.1%
+26.2% YoY+3.8% QoQ
 -0.2% 3.3%
+9.3% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 34th in tier
Efficiency Ratio 77.9%
-9.9% YoY-0.2% QoQ
 +3.9% 74.0%
-10.9% YoY
 85.8%
+0.7% YoY
 79.1%
-3.3% YoY
 64th in tier
Delinquency Rate 0.6%
+0.4% YoY+4.2% QoQ
 -0.2 0.8%
+6.1% YoY
 1.2%
+0.2% YoY
 1.2%
-0.9% YoY
 41st in tier
Loan To Share 75.8%
+15.6% YoY+6.4% QoQ
 -9.4% 85.2%
-0.8% YoY
 56.5%
+1.7% YoY
 68.0%
-1.7% YoY
 Bottom 22.7% in tier
AMR $23,324
+16.9% YoY-1.4% QoQ
 $-6K $29,172
+2.8% YoY
 $16,763
+4.9% YoY
 $19,418
+1.3% YoY
 Bottom 22.7% in tier
CD Concentration 32.9%
-1.1% YoY+2.6% QoQ
 +3.9% 29.0%
+0.8% YoY
 14.4%
+16.9% YoY
 19.6%
+6.2% YoY
 70th in tier
Indirect Auto % 22.3%
+5.6% YoY+7.4% QoQ
 +3.5% 18.8%
-2.8% YoY
 5.3%
-6.5% YoY
 7.9%
-2.9% YoY
 62nd in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#8 of 264 • Top 1.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 16.86%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#44 of 264 • Top 6.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 16.86%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.7K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline
#11 of 85 • Bottom 4.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -9.33%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Stagnation Risk

risk
#17 of 85 • Bottom 6.7% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.68%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -9.33%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $23.3K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 32.91%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Growth-at-Risk

risk
#91 of 161 • Bottom 16.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 15.32%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.00% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#161 of 202 • Bottom 26.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 0.26%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 22.27%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -9.33%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY

Credit Quality Pressure

risk
#213 of 217 • Bottom 27.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.00% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

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)

Comparing against 304 peers in tier

Top Strengths (8 metrics)

6
AMR Growth Rate
growth
Value: 16.86%
Peer Avg: 3.29%
#6 of 304 Top 1.6% in 1B-3B tier
20
Loan Growth Rate
growth
Value: 15.32%
Peer Avg: 5.27%
#20 of 304 Top 6.2% in 1B-3B tier
20
Total Members
engagement
Value: 170,351
Peer Avg: 98,678
#20 of 304 Top 6.2% in 1B-3B tier
27
Members Per Employee (MPE)
engagement
Value: 469.287
Peer Avg: 364.953
#27 of 304 Top 8.6% in 1B-3B tier
29
Total Deposits
balance_sheet
Value: $2.26B
Peer Avg: $1.45B
#29 of 304 Top 9.2% in 1B-3B tier
38
Total Assets
balance_sheet
Value: $2.56B
Peer Avg: $1.72B
#38 of 304 Top 12.2% in 1B-3B tier
47
Net Charge-Off Rate
risk
Value: 0.21%
Peer Avg: 0.60%
#47 of 304 Top 15.1% in 1B-3B tier
57
Total Loans
balance_sheet
Value: $1.71B
Peer Avg: $1.23B
#57 of 304 Top 18.4% in 1B-3B tier

Top Weaknesses (8 metrics)

292
Member Growth Rate
growth
Value: -9.33%
Peer Avg: 2.20%
#292 of 304 Bottom 4.3% in 1B-3B tier
273
Fee Income Per Member
profitability
Value: $127.61
Peer Avg: $210.52
#273 of 304 Bottom 10.5% in 1B-3B tier
265
First Mortgage Concentration (%)
balance_sheet
Value: 50.21%
Peer Avg: 34.01%
#265 of 304 Bottom 13.2% in 1B-3B tier
261
Deposit Growth Rate
growth
Value: -0.20%
Peer Avg: 5.58%
#261 of 304 Bottom 14.5% in 1B-3B tier
251
Loan-to-Member Ratio (LMR)
engagement
Value: $10,057
Peer Avg: $13,213
#251 of 304 Bottom 17.8% in 1B-3B tier
242
Asset Growth Rate
growth
Value: 0.26%
Peer Avg: 4.83%
#242 of 304 Bottom 20.7% in 1B-3B tier
235
Loan-to-Share Ratio
balance_sheet
Value: 75.81%
Peer Avg: 85.19%
#235 of 304 Bottom 23.0% in 1B-3B tier
235
Average Member Relationship (AMR)
engagement
Value: $23,324
Peer Avg: $29,172
#235 of 304 Bottom 23.0% in 1B-3B tier