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Overview / Commentary
800-924-3133
1401 Lakeshore Dr
Lodi, CA 95242

Eagle CU (CA) is headquartered in Lodi and is the 270th largest credit union in the state of California. It is also the 3,441st largest credit union in the nation. It was established in 1929 and as of March of 2014, it had grown to 6 employees and 2,730 members. Eagle CU (CA) has a B health rating.

Field of Membership Restrictions

Must live or work in San Joaquin or Stanislaus County or be a US Post Office employee who work in Stanislaus, Tuolumne, Calaveras or San Joaquin County. Also open to employees of the City of Lodi and other select employee groups. - See Details

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Health

Data for Q1 2014

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Eagle CU (CA) has a low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Eagle CU (CA) had $148,000 in non-current loans and owned real-estate with $2.36 million in equity and loan loss allowances on hand to cover it. This gives Eagle CU (CA) a Texas Ratio of 6.27% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Eagle CU (CA) experienced no significant changes from 1.29% as of March 31, 2013 to 6.27% as of March 31, 2014, resulting in a negative change of 384.67%. This indicates that the balance sheet and financial strength for Eagle CU (CA) has had no significant changes in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Eagle CU (CA) has decreased its total deposits by $-130,000, resulting in -0.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Eagle CU (CA) has shown is average.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Eagle CU (CA) has $21.42 million in assets with $2.36 million in equity, resulting in a capitalization level of 11.02%, which is excellent.

Institution Statistics

Overall
NCUA #64411
Year Chartered1929
Employees6
Primary Regulator
Assets and Liabilities
Assets$21.42 million
Loans$7.65 million
Deposits$19.39 million
Equity Capital$1.94 million
Loan Loss Allowance$421,000
Unbacked Noncurrent Loans$73,000
Real Estate Owned$75,000
Historic Data - March 2013
Assets$21.82 million
Equity Capital$2.20 million
Loan Loss Allowance$501,000
Unbacked Noncurrent Loans$73,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-0.86%
Return on Equity-9.49%
Interest Income$162,000
Rates
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Eagle CU (CA) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$25-Youth Share Account
0.05%$100-Share Savings Account
0.05%$100-Auxiliary Savings Account
0.05%$100-Holiday Club Account

Eagle CU (CA) CD Rates

DetailsAPYMINMAXPRODUCT
0.05%$1k-6 Month CD
0.05%$1k-12 Month CD

Eagle CU (CA) IRA Rates

DetailsAPYMINMAXPRODUCT
0.05%$1k-6 Month IRA
0.05%$1k-12 Month IRA
Locations


Eagle CU (CA) Locations
Branch Office4245 West LnStockton, CA 95208
Branch Office1401 Lakeshore DrLodi, CA 95242-4212