PackageTrendsPeer
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Eagle One

Claymont, DE · Charter 464

NCUA · 3 branches

Q2 2026

$90.4MAssets
$49.0MLoans
$79.9MShares
$9.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.35%, up 13 bps year over year; NIM at 4.57%.
  • Asset quality: problem loans at 3.66% of loans (+93 bps YoY).
  • Capital: net worth / assets of 10.47%, up 27 bps from a year ago.
  • Funding: loans stand at 61.30% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.35%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.57%+29 bps YoY

Efficiency Ratio (YTD, annualized)

82.63%-336 bps YoY

Net Worth / Assets

10.47%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.25%0.32%0.59%0.35%+13 bps
Return on Equity2.12%2.45%3.18%5.84%3.36%+123 bps
Net Interest Margin4.28%4.44%4.23%4.54%4.57%+29 bps
Efficiency Ratio85.99%84.73%85.26%81.80%82.63%-336 bps
Growth
Asset Growth (YoY)2.47%2.90%8.89%7.43%2.16%-31 bps
Loan Growth (YoY)-2.87%-3.44%7.00%6.08%2.75%+562 bps
Share Growth (YoY)2.76%2.30%9.09%7.49%1.84%-92 bps
Asset Quality
Delinquent Loans / Loans2.72%2.57%2.34%2.35%3.66%+93 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.20%10.37%10.16%10.15%10.47%+27 bps
Net Worth / Assets10.20%10.37%10.16%10.15%10.47%+27 bps
Liquidity & Funding
Loans / Shares60.75%60.31%62.44%60.55%61.30%+55 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps