Credit Union Safety Analysis
Is Eaton Family Credit Union Safe? Euclid, Ohio
Based on its Q2 2026 NCUA 5300 call report, Eaton Family Credit Union has a net worth ratio of 10.62%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.04%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Eaton Family Credit Union's net worth ratio is 10.62%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.62%
- Delinquency ratio (60+ days) (Q2 2026): 3.04%
- Return on assets (Q2 2026): 0.04%
- Loan-to-share ratio (Q2 2026): 79.71%
Eaton Family Credit Union (NCUA charter 68354, established 1937) reported $77.6M in assets and 11,026 members for Q2 2026 from Euclid, Ohio. It ranks 85 of 191 credit unions in Ohio by total assets. Total assets grew 0.9% from $76.9M on June 30, 2025. It has 269 fewer members than on June 30, 2025 (-2.4%). Its net worth ratio was down 0.18 percentage points from 10.80% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $28.4M of $56.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.04% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 10.62% for Q1 2026; 10.80% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 2.16% for Q1 2026; 1.58% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.05% for Q1 2026; 0.11% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 77.39% for Q1 2026; 79.10% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $28.4M
- Used vehicle loans: $8.1M
- Other secured non-real estate loans and lines of credit: $8.0M
- Commercial loans: $7.1M
- New vehicle loans: $2.0M
- Other unsecured loans and lines of credit: $1.4M
- Unsecured credit card loans: $1.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $77.6M | 10.62% | 3.04% | 0.04% | 79.71% |
| March 31, 2026 | $78.4M | 10.62% | 2.16% | 0.05% | 77.39% |
| December 31, 2025 | $77.0M | 10.80% | 2.27% | 0.03% | 79.53% |
| September 30, 2025 | $77.4M | 10.74% | 2.47% | 0.07% | 78.57% |
| June 30, 2025 | $76.9M | 10.80% | 1.58% | 0.11% | 79.10% |
| March 31, 2025 | $76.8M | 10.91% | 1.28% | 0.03% | 79.98% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Eaton Family Credit Union profile
Regulator records: NCUA credit union profile (charter 68354) · FFIEC NIC profile (RSSD 110075)
Frequently asked questions
Is Eaton Family Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Eaton Family Credit Union's net worth ratio is 10.62%, above the 7% NCUA threshold for well capitalized.
Is Eaton Family Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Eaton Family Credit Union is a federally insured credit union (NCUA charter 68354): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Eaton Family Credit Union's key safety ratios?
For Q2 2026, Eaton Family Credit Union reports net worth 10.62%, delinquency 3.04%, ROA 0.04%, loan-to-share 79.71%.
What happens to my money if Eaton Family Credit Union fails?
For Q2 2026, Eaton Family Credit Union held $70.3M in shares and deposits for 11,026 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.