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Overview / Commentary
215-425-9290
2303 Frankford Ave
Philadelphia, PA 19125

Eagle One Credit Union is headquartered in PHILADELPHIA and is the 99th largest credit union in the state of Pennsylvania. It is also the 2,107th largest credit union in the nation. It was established in 1935 and as of December of 2013, it had grown to 25 employees and 11,025 members. Eagle One Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be a Philadelphia District Postal employee. Also open to those who live, work, worship or attend school in zip codes 19703, 19125 or 19134. - See Details

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Health

Data for Q4 2013

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 One Credit Union has a relatively low asset base.

Texas Ratio

GRADE:
A

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, 2013 Eagle One Credit Union had $706,000 in non-current loans and owned real-estate with $6.98 million in equity and loan loss allowances on hand to cover it. This gives Eagle One Credit Union a Texas Ratio of 10.11% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Eagle One Credit Union decreased slightly from 14.41% as of December 31, 2012 to 10.11% as of December 31, 2013, resulting in a positive change of 29.83%.This indicates that the balance sheet and financial strength for Eagle One Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Eagle One Credit Union has increased its total deposits by $12.05 million, resulting in 30.68% 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 excellent.

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 One Credit Union has $57.73 million in assets with $6.98 million in equity, resulting in a capitalization level of 12.10%, which is excellent.

Institution Statistics

Overall
NCUA #464
Year Chartered1935
Employees25
Primary Regulator
Assets and Liabilities
Assets$57.73 million
Loans$38.60 million
Deposits$51.34 million
Equity Capital$6.27 million
Loan Loss Allowance$716,000
Unbacked Noncurrent Loans$706,000
Real Estate Owned$0
Historic Data - December 2012
Assets$44.66 million
Equity Capital$5.30 million
Loan Loss Allowance$489,000
Unbacked Noncurrent Loans$706,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.82%
Return on Assets1.91%
Return on Equity17.55%
Interest Income$3.00 million
Rates
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Eagle One Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$100-Share Savings Account
0.25%$100-IRA Savings Account
0.25%$100-Holiday Club Savings Account
0.25%$100-Vacation Club Savings Account
0.25%$100-Roth IRA Savings Account

Eagle One Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.61%$500-60 Month Share Certificate
1.36%$500-48 Month Share Certificate
1.10%$500-36 Month Share Certificate
1.00%$500-24 Month Share Certificate
0.75%$500-18 Month Share Certificate
0.55%$500-12 Month Share Certificate
0.35%$500-6 Month Share Certificate
0.25%$500-3 Month Share Certificate

Eagle One Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.61%$500-60 Month IRA Certificate (Traditional,Roth)
1.36%$500-48 Month IRA Certificate (Traditional,Roth)
1.10%$500-36 Month IRA Certificate (Traditional,Roth)
1.00%$500-24 Month IRA Certificate (Traditional,Roth)
0.75%$500-18 Month IRA Certificate (Traditional,Roth)
0.55%$500-12 Month IRA Certificate (Traditional,Roth)
0.35%$500-6 Month IRA Certificate (Traditional,Roth)
0.25%$500-3 Month IRA Certificate (Traditional,Roth)
Locations


Eagle One Credit Union Locations
Branch Office3512 Philadelphia PikeClaymont, DE 19703
Branch Office7500 Lindbergh BlvdPhiladelphia, PA 19176
Branch Office1800 Newport Gap PikeWilmington, DE 19808
Branch Office1900 ByBerry RdPhiladelphia, PA 19116
Branch Office1700 Harrisburg PikeLancaster, PA 17601-2636
Branch Office2303 Frankford AvePhiladelphia, PA 19125