TellerScore

Eagle One Federal Credit Union is a federal credit union headquartered in Claymont, Delaware, in business for about 91 years. At the end of Q2 2026 it reported $90.4M in total assets and $79.9M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Eagle One Federal Credit Union scores 44/100, which we describe as below average. That is higher than only 4% of 2,479 credit unions with under $100 million in assets. Among 15 credit unions headquartered in Delaware, it ranks 14th. Its strongest component is funding & liquidity (99/100; 61% loans-to-deposits, 2% uninsured), and its lowest is loan quality (0/100; 3.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Net worth ratio: 10.47%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.66%
Earnings34/100
Return on assets (annualized): 0.35%
Funding & liquidity99/100
Loans ÷ shares: 61.3% · 2.4% uninsured
Problem-loan coverage58/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 20.90%

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 (46 → 44), mostly because the problem-loan coverage component weakened by 13 points.

TellerScore
445260Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202456
Q4 202459
Q1 202560
Q2 202546
Q3 202548
Q4 202549
Q1 202652
Q2 202644
Net worth ratio
7.00%8.75%10.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.34%
Q3 202410.51%
Q4 202410.50%
Q1 202510.24%
Q2 202510.18%
Q3 202510.35%
Q4 202510.14%
Q1 202610.15%
Q2 202610.47%
Delinquent loans (60+ days)
1.15%2.41%3.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.41%
Q3 20241.60%
Q4 20241.41%
Q1 20251.15%
Q2 20252.72%
Q3 20252.57%
Q4 20252.34%
Q1 20262.35%
Q2 20263.66%
Return on assets
0.15%0.37%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.16%
Q3 20240.17%
Q4 20240.22%
Q1 20250.15%
Q2 20250.22%
Q3 20250.25%
Q4 20250.32%
Q1 20260.59%
Q2 20260.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202644$90.4M10.47%3.66%0.35%61.3%
Q1 202652$93.9M10.15%2.35%0.59%60.6%
Q4 202549$93.8M10.14%2.34%0.32%62.4%
Q3 202548$87.8M10.35%2.57%0.25%60.3%
Q2 202546$88.5M10.18%2.72%0.22%60.8%
Q1 202560$87.4M10.24%1.15%0.15%61.4%
Q4 202459$86.2M10.50%1.41%0.22%63.7%
Q3 202456$85.3M10.51%1.60%0.17%63.9%
Q2 202457$86.4M10.34%1.41%0.16%64.3%

2,479 peers · Under $100 million in assets

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 ratio10.47%
20th
Problem loans3.66%
10th
Net charge-offs1.63%
7th
Return on assets0.35%
34th
Loans to deposits61.3%
46th
Uninsured deposits2.4%
41st
Loan-loss reserves0.00%
37th
Texas ratio20.9%
4th

Similar-size credit unions in Delaware

InstitutionScoreAssetsCapitalProblem loansCompare
American Spirit Federal Credit UnionCredit union Newark, DE53 out of 100, Below average$67.6M19.1%5.44%vs
Edu Federal Credit UnionCredit union New Castle, DE34 out of 100, Low$44.2M6.8%2.57%vs
New Castle County Delaware Em Federal Credit UnionCredit union New Castle, DE86 out of 100, Very strong$33.3M12.0%0.00%vs
Priority Plus Federal Credit UnionCredit union Wilmington, DE74 out of 100, Strong$23.3M17.6%1.10%vs
Wilmington Police & Fire Federal Credit UnionCredit union Wilmington, DE59 out of 100, Moderate$14.3M14.7%2.45%vs
Provident Federal Credit UnionCredit union Dover, DE64 out of 100, Moderate$11.9M14.1%1.75%vs

Deposit insurance

Is my money safe at Eagle One Federal Credit Union?

Yes. Eagle One Federal Credit Union is a federally insured credit union (NCUA charter #464). 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 2.4% of shares and deposits ($2.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.47%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Eagle One Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Eagle One Federal Credit Union reported 61 home-loan applications under HMDA (LEI 5493009TOEDMWVNG1442): 23 originated ($1,995,000 total), 24 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 50.0%, 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 One Federal Credit Union
Type
Federal credit union
NCUA charter #
464
RSSD ID
116778
Primary regulator
NCUA
Established
1935
Headquarters
P O Box 543, Claymont, DE 19703
Employees
19

Quick answers

Eagle One Federal Credit Union: common questions

Is Eagle One Federal Credit Union NCUA insured?

Yes. Eagle One Federal Credit Union is a federally insured credit union (NCUA charter #464). 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 One Federal Credit Union's TellerScore?

44 out of 100 (Below average), 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 One Federal Credit Union have?

1 office as of the latest NCUA data.