Unity of Eatonville Federal Credit Union Eatonville, Florida
Unity of Eatonville Federal Credit Union is a federal credit union headquartered in Eatonville, FL, established in 2021 (NCUA charter 24935), and it is regulated and insured by the NCUA. At Q2 2026 it reported 408 members and total assets of $3.1M (down 2.0% from Q2 2025), the 106th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 3.14% at Q2 2026, in the significantly undercapitalized band.
Also written as Unity of Eatonville FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24935
- Headquarters
- Eatonville, FL
- Established
- 2021
- Total assets, Q2 2026
- $3.1M
- Assets vs Q2 2025
- -2.0%
- Members, Q2 2026
- 408
- Net worth ratio, Q2 2026
- 3.14%
- Latest call report
- Q2 2026, NCUA 5300 · Unity of Eatonville Federal Credit Union call report
- Asset rank in state
- 106th of 106 in Florida
- Routing number
- 063193022
- Branches
- 1
It has 17 more members than on June 30, 2025 (+4.3%). Its net worth ratio was down 2.92 percentage points from 6.06% on June 30, 2025. Used vehicle loans are its largest loan category, $515K of $1.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.91% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 3.14% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Florida
Frequently asked about Unity of Eatonville Federal Credit Union
How big is Unity of Eatonville Federal Credit Union?
At Q2 2026 it reported total assets of $3.1M and 408 members.
Where is Unity of Eatonville Federal Credit Union headquartered?
It is headquartered in Eatonville, FL, United States.
When was Unity of Eatonville Federal Credit Union founded?
It was established in 2021, per NCUA records.
Is Unity of Eatonville Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24935): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Unity of Eatonville Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Unity of Eatonville Federal Credit Union well capitalized?
Its net worth ratio was 3.14% at Q2 2026, in the significantly undercapitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Unity of Eatonville Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.91% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Unity of Eatonville Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 40.68% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Eatonville, FL 32751
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 2021
- NCUA Charter #
- 24935
- RSSD ID
- 5689325
- Members
- 408
- Potential members
- 2,283
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 6.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 3.14% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | -4.07% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -129.65% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.79% | 3.93% | 12th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 238.49% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.91% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.91% | 0.86% | 49th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.70% | 4.70% | 50th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 40.68% | 58.92% | 23rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.1M total assets against $3.2M; $3.0M total shares and deposits against $3.0M; $1.2M total loans against $1.2M.
$99K net worth against $194K.
3.14% net worth ratio against 6.06%.
40.68% loan-to-share ratio against 40.22%.
0.91% delinquency ratio against 0.90%.
-4.07% return on assets against -1.52%; -129.65% return on equity against -25.15%.
2.79% net interest margin against 3.73%.
408 members against 391.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 3.14% | -4.07% | 0.91% | 40.68% |
| March 31, 2026 | 4.13% | -1.84% | 0.91% | 45.22% |
| December 31, 2025 | 4.60% | -4.01% | 1.04% | 49.71% |
| September 30, 2025 | 5.55% | -2.18% | 0.65% | 45.08% |
| June 30, 2025 | 6.06% | -1.52% | 0.90% | 40.22% |
| March 31, 2025 | 6.55% | 3.27% | 1.04% | 44.71% |
Scroll sideways to see every column.
Watch flags
The net worth ratio is below the 6% NCUA adequately-capitalized threshold, placing the credit union in the undercapitalized Prompt Corrective Action category, which triggers mandatory earnings-retention and supervisory restrictions. NCUA Prompt Corrective Action, 12 CFR 702.102.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.