American Eagle Financial Credit Union
Total assets
$2.76B
▲ +5.2% YoY
Shares & deposits
$2.45B
▲ +5.3% YoY
Loans
$1.75B
▲ +12.3% YoY
Members
167,531
▲ +2.6% YoY
ROA (annualized)
0.55%
peers 0.71%
ROE (annualized)
5.67%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +5.1% | +0.1 pts |
| Share growth (YoY) | +5.3% | +4.9% | +0.4 pts |
| Loan growth (YoY) | +12.3% | +5.4% | +6.8 pts |
| ROA | 0.55% | 0.71% | -0.2 pts |
| ROE | 5.7% | 6.3% | -0.6 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 280128, East Hartford, CT, 06128
- NCUA charter #
- 68659
- RSSD ID
- 66873
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.76B | $2.45B | $1.75B | $269.5M | $3.8M | 0.55% | 2.96% | 0.68% | 167,531 |
| Q4 2025 | $2.65B | $2.33B | $1.75B | $265.7M | $14.8M | 0.56% | 3.03% | 0.65% | 165,039 |
| Q3 2025 | $2.56B | $2.26B | $1.71B | $264.3M | $13.1M | 0.68% | 3.12% | 0.59% | 170,351 |
| Q2 2025 | $2.60B | $2.30B | $1.64B | $260.2M | $9.1M | 0.70% | 2.98% | 0.57% | 166,751 |
| Q1 2025 | $2.62B | $2.32B | $1.56B | $255.4M | $4.2M | 0.65% | 2.83% | 0.62% | 163,305 |
| Q4 2024 | $2.55B | $2.26B | $1.49B | $251.2M | $10.6M | 0.42% | 2.57% | 0.69% | 187,792 |
| Q3 2024 | $2.55B | $2.26B | $1.49B | $247.5M | $7.1M | 0.37% | 2.50% | 0.59% | 187,889 |
| Q2 2024 | $2.66B | $2.36B | $1.52B | $244.4M | $3.4M | 0.26% | 2.33% | 0.54% | 186,952 |
Loan mix (Q1 2026): real estate $1.09B · commercial $3.9M · consumer $655.1M · securities $501.0M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.71% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 6.3% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.32% | 25th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 73.0% | 64th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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