EAGLE COMMUNITY
Charter #66847 · Lake Forest, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.33% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.00% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 67th — a 23-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EAGLE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $411.44M | 91th pct | 67th pct |
| Members | 23,159 | 85th pct | 62th pct |
| Net worth ratio | 9.66% | 23th pct | 43th pct |
| Return on average assets | 0.35% | 26th pct | 28th pct |
| Net interest margin | 5.33% | 98th pct | 97th pct |
| Cost of funds | 1.55% | 69th pct | 52th pct |
| Loan-to-share | 91.08% | 90th pct | 69th pct |
| Delinquency 60+ days | 0.45% | 37th pct | 46th pct |
| Net charge-off ratio | 1.00% | 88th pct | 95th pct |
| Loan growth YoY | 10.17% | 98th pct | 95th pct |
| Share growth YoY | 13.11% | 99th pct | 92th pct |
| Efficiency ratio | 79.77% | 54th pct | 54th pct |
structural peer set hash: e9e36f41deafd4d3b7d63f4259c64cf1… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.