Eagle One Credit Union

2303 Frankford Ave
Philadelphia, PA 19125
215-425-9290
www.eagleonecu.com

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Eagle One Credit Union is headquartered in Philadelphia and is the 119^st largest credit union in the state of Pennsylvania. It is also the 2,461^st largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 16 employees and 7,830 members. Eagle One Credit Union has a 4-star health rating.

Top CD Rates at Eagle One Federal Credit Union in Philadelphia - Local Only - 10/25/2011

Eagle One Federal Credit Union is listing several competitive rates on its share and IRA certificates. The best rates have terms from 2 to 5 years. These include a 1.76% APY 2-year CD, 2.02% APY 3-yea ...

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See Rates for: Checking | Savings | CD | IRA

Eagle One Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.25%	$100	-	Share Draft Checking Account

Eagle One Credit Union Savings Account Rates

Apy	Min	Max	Product
0.40%	$100	-	Share Savings Account
0.40%	$100	-	IRA Savings Account
0.40%	$100	-	Holiday Club Savings Account
0.40%	$100	-	Vacation Club Savings Account
0.40%	$100	-	Roth IRA Savings Account

Eagle One Credit Union CD Rates

Apy	Min	Max	Product
2.27%	$500	-	60 Month Share Certificate
1.76%	$500	-	48 Month Share Certificate
1.51%	$500	-	36 Month Share Certificate
1.26%	$500	-	24 Month Share Certificate
1.00%	$500	-	18 Month Share Certificate
0.90%	$500	-	12 Month Share Certificate
0.60%	$500	-	6 Month Share Certificate
0.45%	$500	-	3 Month Share Certificate

Eagle One Credit Union IRA Rates

Apy	Min	Max	Product
2.27%	$500	-	60 Month IRA Certificate
2.27%	$500	-	60 Month Roth IRA Certificate
1.76%	$500	-	48 Month IRA Certificate
1.76%	$500	-	48 Month Roth IRA Certificate
1.51%	$500	-	36 Month IRA Certificate
1.51%	$500	-	36 Month Roth IRA Certificate
1.26%	$500	-	24 Month IRA Certificate
1.26%	$500	-	24 Month Roth IRA Certificate
1.00%	$500	-	18 Month IRA Certificate
1.00%	$500	-	18 Month Roth IRA Certificate
0.90%	$500	-	12 Month IRA Certificate
0.90%	$500	-	12 Month Roth IRA Certificate
0.60%	$500	-	6 Month IRA Certificate
0.60%	$500	-	6 Month Roth IRA Certificate
0.45%	$500	-	3 Month IRA Certificate
0.45%	$500	-	3 Month Roth IRA Certificate

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

EAGLE ONE
NCUA #	464
BankRate Report	View
Year Chartered	1935
Employees	16
Primary Regulator
Assets and Liabilities
Assets	$42.52 million
Loans	$30.92 million
Deposits	$37.51 million
Equity Capital	$4.95 million
Loan Loss Allowance	$525,000
Unbacked Noncurrent Loans	$634,000
Historic Data - December 2010
Assets	$41.98 million
Equity Capital	$4.52 million
Loan Loss Allowance	$488,000
Unbacked Noncurrent Loans	$256,000
Profit Margin - Quarterly
Net Interest Margin	7.61%
Return on Assets	0.88%
Return on Equity	7.54%
Interest Income	$2.82 million
Non-Interest Income	$587,000

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Eagle One Credit Union had $634,000 in non-current loans and owned real-estate with $5.47 million in equity and loan loss allowances on hand to cover it. This gives Eagle One Credit Union a Texas Ratio of 11.59% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Eagle One Credit Union increased slightly from 5.11% as of December 31, 2010 to 11.59% as of December 31, 2011, resulting in a negative change of 126.83%. This indicates that the balance sheet and financial strength for Eagle One Credit Union has declined slightly in recent periods.
Deposit Growth
In the past year, Eagle One Credit Union has increased its total deposits by $133,000, resulting in 0.36% 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 One Credit Union has shown is average.
Capitalization
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 One Credit Union has $42.52 million in assets with $5.47 million in equity, resulting in a capitalization level of 12.86%, which is excellent.