EGLIN

Charter #9788 | FL

1B-3B (304 CUs) Mid-Market (380 CUs)
18 1B-3B in FL

EGLIN has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 13.6% in tier
  • + Wallet Share Momentum: Top 24.0% in tier
  • + ROA 0.23% above tier average
  • + Total Assets: Top 0.0% in tier
  • + Total Deposits: Top 0.3% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 10.6% in tier
  • - Institutional Decline: Bottom 14.7% in tier
  • - Stagnation Risk: Bottom 15.1% in tier
  • - Indirect Auto Dependency: Bottom 17.5% in tier
  • - Membership Headwinds: Bottom 28.5% in tier
  • - Loan-to-Share Ratio: Bottom 1.0% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 4.6% in tier
  • - Loan Growth Rate: Bottom 5.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 123,744
-0.9% YoY-0.3% QoQ
 +25.1K 98,678
-1.9% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 Top 24.3% in tier
Assets $3.0B
+6.5% YoY+1.0% QoQ
 +$1.3B $1.7B
+0.5% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 Top 0.3% in tier
Loans $969.0M
-6.5% YoY-2.1% QoQ
 $-264.1M $1.2B
+0.5% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 35th in tier
Deposits $2.6B
+6.0% YoY+0.8% QoQ
 +$1.1B $1.5B
+1.3% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 0.7% in tier
ROA 0.9%
-9.1% YoY+4.1% QoQ
 +0.2% 0.7%
+13.4% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 72nd in tier
NIM 2.6%
+9.5% YoY+1.7% QoQ
 -0.7% 3.3%
+9.3% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 Bottom 12.8% in tier
Efficiency Ratio 66.5%
+4.5% YoY-1.0% QoQ
 -7.4% 74.0%
-10.9% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 Bottom 21.1% in tier
Delinquency Rate 0.4%
-6.1% YoY-3.0% QoQ
 -0.5 0.8%
+6.1% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 Bottom 20.1% in tier
Loan To Share 37.6%
-11.7% YoY-2.8% QoQ
 -47.6% 85.2%
-0.8% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 Bottom 0.7% in tier
AMR $28,683
+3.2% YoY+0.4% QoQ
 $-489 $29,172
+2.8% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 59th in tier
CD Concentration 20.0%
+25.4% YoY+5.3% QoQ
 -9.0% 29.0%
+0.8% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 Bottom 13.7% in tier
Indirect Auto % 18.9%
-10.6% YoY-3.8% QoQ
 +0.1% 18.8%
-2.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 55th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#99 of 264 • Top 13.6% in tier

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

Why This Signature
AMR Growth (YoY): 3.21%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.9K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#174 of 264 • Top 24.0% in tier

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

Why This Signature
AMR Growth (YoY): 3.21%
(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

Concerns (5)

Liquidity Overhang

risk
#35 of 113 • Bottom 10.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.65%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 37.55%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY

Institutional Decline

decline
#16 of 31 • Bottom 14.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $2.99B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
Member Growth (YoY): -0.92%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -6.47%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 CUs YoY | New qualifier

Stagnation Risk

risk
#37 of 85 • Bottom 15.1% 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: 0.94%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.92%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $28.7K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 20.02%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#109 of 202 • Bottom 17.5% in tier

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

Why This Signature
Asset Growth (YoY): 6.46%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 18.90%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.92%
(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 | Rank improving

Membership Headwinds

decline
#69 of 85 • Bottom 28.5% in tier

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

Why This Signature
Member Growth (YoY): -0.92%
(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

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 (7 metrics)

1
Total Assets
balance_sheet
Value: $2.99B
Peer Avg: $1.72B
#1 of 304 Top 0.0% in 1B-3B tier
2
Total Deposits
balance_sheet
Value: $2.58B
Peer Avg: $1.45B
#2 of 304 Top 0.3% in 1B-3B tier
45
Share Certificate Concentration (%)
balance_sheet
Value: 20.02%
Peer Avg: 28.53%
#45 of 304 Top 14.5% in 1B-3B tier
62
Total Delinquency Rate (60+ days)
risk
Value: 0.38%
Peer Avg: 0.83%
#62 of 304 Top 20.1% in 1B-3B tier
65
Efficiency Ratio
profitability
Value: 66.53%
Peer Avg: 73.97%
#65 of 304 Top 21.1% in 1B-3B tier
74
Net Worth Ratio
risk
Value: 12.65%
Peer Avg: 11.44%
#74 of 304 Top 24.0% in 1B-3B tier
74
Total Members
engagement
Value: 123,744
Peer Avg: 98,678
#74 of 304 Top 24.0% in 1B-3B tier

Top Weaknesses (6 metrics)

302
Loan-to-Share Ratio
balance_sheet
Value: 37.55%
Peer Avg: 85.19%
#302 of 304 Bottom 1.0% in 1B-3B tier
291
Loan-to-Member Ratio (LMR)
engagement
Value: $7,830
Peer Avg: $13,213
#291 of 304 Bottom 4.6% in 1B-3B tier
288
Loan Growth Rate
growth
Value: -6.47%
Peer Avg: 5.27%
#288 of 304 Bottom 5.6% in 1B-3B tier
274
Members Per Employee (MPE)
engagement
Value: 271.368
Peer Avg: 364.953
#274 of 304 Bottom 10.2% in 1B-3B tier
265
Net Interest Margin (NIM)
profitability
Value: 2.55%
Peer Avg: 3.26%
#265 of 304 Bottom 13.2% in 1B-3B tier
239
Member Growth Rate
growth
Value: -0.92%
Peer Avg: 2.20%
#239 of 304 Bottom 21.7% in 1B-3B tier