TellerScore

Headquartered in Lake Forest, California, Eagle Community Credit Union is a federally insured state-chartered credit union with $409.2M in total assets and $362.7M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1937.

Eagle Community Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 160th. Problem-loan coverage contributes the most (88/100, 6.1%); earnings contributes the least (42/100, 0.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.91%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.49%
Earnings42/100
Return on assets (annualized): 0.56%
Funding & liquidity67/100
Loans ÷ shares: 93.0% · 5.3% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.11%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (65 → 63), mostly because the capital cushion component weakened by 8 points.

TellerScore
596265Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202462
Q4 202464
Q1 202564
Q2 202565
Q3 202564
Q4 202561
Q1 202661
Q2 202663
Net worth ratio
7.00%8.87%10.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.13%
Q3 202410.37%
Q4 202410.55%
Q1 202510.35%
Q2 202510.73%
Q3 202510.53%
Q4 202510.02%
Q1 20269.66%
Q2 20269.91%
Delinquent loans (60+ days)
0.36%0.60%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.84%
Q3 20240.71%
Q4 20240.58%
Q1 20250.36%
Q2 20250.48%
Q3 20250.48%
Q4 20250.65%
Q1 20260.45%
Q2 20260.49%
Return on assets
0.23%0.40%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.23%
Q3 20240.43%
Q4 20240.48%
Q1 20250.29%
Q2 20250.43%
Q3 20250.50%
Q4 20250.47%
Q1 20260.34%
Q2 20260.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$409.2M9.91%0.49%0.56%93.0%
Q1 202661$411.4M9.66%0.45%0.34%91.1%
Q4 202561$393.4M10.02%0.65%0.47%93.9%
Q3 202564$369.7M10.53%0.48%0.50%93.5%
Q2 202565$357.9M10.73%0.48%0.43%93.1%
Q1 202564$366.4M10.35%0.36%0.29%88.0%
Q4 202464$356.9M10.55%0.58%0.48%90.4%
Q3 202462$357.5M10.37%0.71%0.43%90.8%
Q2 202459$359.5M10.13%0.84%0.23%87.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.91%
27th
Problem loans0.49%
65th
Net charge-offs0.85%
14th
Return on assets0.56%
36th
Loans to deposits93.0%
11th
Uninsured deposits5.3%
56th
Loan-loss reserves0.00%
50th
Texas ratio6.1%
31st

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Cahp Credit UnionCredit union Sacramento, CA68 out of 100, Moderate$406.7M8.9%0.10%vs
Yolo Federal Credit UnionCredit union Woodland, CA76 out of 100, Strong$412.4M13.0%0.78%vs
Popa Federal Credit UnionCredit union Cerritos, CA75 out of 100, Strong$404.5M11.8%0.79%vs
Glendale Area Schools Credit UnionCredit union Glendale, CA67 out of 100, Moderate$422.1M13.1%1.01%vs
Mocse Federal Credit UnionCredit union Modesto, CA74 out of 100, Strong$425.5M11.1%0.85%vs
Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA83 out of 100, Strong$377.9M20.2%0.01%vs

Deposit insurance

Is my money safe at Eagle Community Credit Union?

Yes. Eagle Community Credit Union is a federally insured credit union (NCUA charter #66847). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.3% of shares and deposits ($19.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.91%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Eagle Community Credit Union lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Eagle Community Credit Union reported 1,373 home-loan applications under HMDA (LEI 254900WZ3RTY75P7HO83): 536 originated ($86,720,000 total), 303 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Eagle Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66847
RSSD ID
610294
Primary regulator
State + NCUA
Established
1937
Headquarters
P.O. Box 5196, Lake Forest, CA 92609
Employees
108

Quick answers

Eagle Community Credit Union: common questions

Is Eagle Community Credit Union NCUA insured?

Yes. Eagle Community Credit Union is a federally insured credit union (NCUA charter #66847). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Eagle Community Credit Union's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Eagle Community Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lake Forest

InstitutionScoreAssetsCapitalProblem loansCompare
Capital Bank and Trust CompanyBank Irvine, CA94 out of 100, Very strong$266.1M79.3%0.00%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
Comunidad Latina Federal Credit UnionCredit union Santa Ana, CA87 out of 100, Very strong$11.0M26.2%0.99%vs