First Eagle Federal Credit Union
Total assets
$111.5M
▼ -0.2% YoY
Shares & deposits
$97.3M
▼ -1.6% YoY
Loans
$66.7M
▲ +6.4% YoY
Members
8,184
▼ -0.4% YoY
ROA (annualized)
0.91%
peers 0.69%
ROE (annualized)
7.67%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +3.9% | -4.1 pts |
| Share growth (YoY) | -1.6% | +3.3% | -4.9 pts |
| Loan growth (YoY) | +6.4% | +2.9% | +3.5 pts |
| ROA | 0.91% | 0.69% | +0.2 pts |
| ROE | 7.7% | 5.9% | +1.7 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- P.O. Box 1585, Owings Mills, MD, 21117
- NCUA charter #
- 10958
- RSSD ID
- 780085
- 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 | $111.5M | $97.3M | $66.7M | $13.3M | $255K | 0.91% | 3.96% | 0.48% | 8,184 |
| Q4 2025 | $110.4M | $96.4M | $65.7M | $13.0M | $1.1M | 1.00% | 3.86% | 0.56% | 8,148 |
| Q3 2025 | $110.6M | $96.8M | $65.6M | $12.7M | $775K | 0.93% | 3.76% | 0.81% | 8,205 |
| Q2 2025 | $111.0M | $97.9M | $63.4M | $12.5M | $517K | 0.93% | 3.66% | 0.69% | 8,208 |
| Q1 2025 | $111.7M | $98.8M | $62.7M | $12.2M | $239K | 0.85% | 3.50% | 0.64% | 8,215 |
| Q4 2024 | $105.8M | $93.2M | $63.5M | $12.0M | $851K | 0.80% | 3.56% | 0.94% | 8,175 |
| Q3 2024 | $105.1M | $92.8M | $64.4M | $11.7M | $567K | 0.72% | 3.54% | 0.89% | 8,208 |
| Q2 2024 | $106.9M | $94.8M | $64.9M | $11.5M | $356K | 0.67% | 3.38% | 0.74% | 8,196 |
Loan mix (Q1 2026): real estate $25.1M · commercial $1.1M · consumer $38.8M · securities $33.3M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.69% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 5.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.62% | 72th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.2% | 78.7% | 44th | |
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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