Civic Intelligence

Eagle Community Credit Union

EIN 95-1068549 • 501(c)14 • Lake Forest, CA

Profile

See schedule oeagle community credit union is a cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, eagle community credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefits, or services of the credit union being distributed to its members as patrons.

PO Box 5196Lake Forest, CA 92609

www.eaglecu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

44th percentile

0.90x

Higher debt load relative to assets than 44% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

11th percentile

11.40x

Higher debt load relative to revenue than 11% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

35th percentile

6.2%

Higher net margin than 35% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

27th percentile

$349,250

Higher top officer pay than 27% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

37th percentile

1.3%

Faster asset growth than 37% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

20th percentile

4.8%

Faster revenue growth than 20% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Assets

Up

$356,941,911

Up $4,563,349 (+1.3%) from 2023

Liabilities

Up

$319,860,879

Up $2,615,745 (+0.8%) from 2023

Net Assets

Up

$37,081,032

Up $1,947,604 (+5.5%) from 2023

Revenue

Up

$28,059,143

Up $1,283,215 (+4.8%) from 2023

Expenses

Up

$26,333,188

Up $1,789,357 (+7.3%) from 2023

Net Income

Down

$1,725,955

Down $506,142 (-23%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$400M$300M$200M$100M$0Assets 2010: $185,775,990Liabilities 2010: $172,282,215Net Assets 2010: $13,493,7752010Assets 2011: $201,021,683Liabilities 2011: $184,918,675Net Assets 2011: $16,103,0082011Assets 2012: $204,977,206Liabilities 2012: $188,554,135Net Assets 2012: $16,423,0712012Assets 2013: $205,022,817Liabilities 2013: $190,793,344Net Assets 2013: $14,229,4732013Assets 2014: $216,750,775Liabilities 2014: $200,499,188Net Assets 2014: $16,251,5872014Assets 2015: $222,406,518Liabilities 2015: $204,571,831Net Assets 2015: $17,834,6872015Assets 2016: $234,427,566Liabilities 2016: $215,641,190Net Assets 2016: $18,786,3762016Assets 2017: $245,795,637Liabilities 2017: $222,773,461Net Assets 2017: $23,022,1762017Assets 2018: $257,314,625Liabilities 2018: $233,382,153Net Assets 2018: $23,932,4722018Assets 2019: $259,201,721Liabilities 2019: $232,994,763Net Assets 2019: $26,206,9582019Assets 2020: $307,727,164Liabilities 2020: $280,042,865Net Assets 2020: $27,684,2992020Assets 2021: $329,547,938Liabilities 2021: $299,044,005Net Assets 2021: $30,503,9332021Assets 2022: $359,509,563Liabilities 2022: $326,596,117Net Assets 2022: $32,913,4462022Assets 2023: $352,378,562Liabilities 2023: $317,245,134Net Assets 2023: $35,133,4282023Assets 2024: $356,941,911Liabilities 2024: $319,860,879Net Assets 2024: $37,081,0322024

Highlighted filing

2024

Assets$356,941,911
Liabilities$319,860,879
Net Assets$37,081,032

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$30M$20M$10M$0Expenses 2010: $9,597,1592010Expenses 2011: $9,770,6982011Expenses 2012: $8,897,1512012Revenue 2013: $9,156,701Expenses 2013: $8,589,069Net Income 2013: $567,6322013Revenue 2014: $9,541,576Expenses 2014: $9,160,251Net Income 2014: $381,3252014Revenue 2015: $10,164,964Expenses 2015: $8,680,870Net Income 2015: $1,484,0942015Revenue 2016: $10,431,561Expenses 2016: $9,261,266Net Income 2016: $1,170,2952016Revenue 2017: $15,740,957Expenses 2017: $11,645,840Net Income 2017: $4,095,1172017Revenue 2018: $12,804,503Expenses 2018: $11,793,413Net Income 2018: $1,011,0902018Revenue 2019: $14,171,687Expenses 2019: $12,746,495Net Income 2019: $1,425,1922019Revenue 2020: $15,035,835Expenses 2020: $14,028,875Net Income 2020: $1,006,9602020Revenue 2021: $17,550,263Expenses 2021: $14,533,087Net Income 2021: $3,017,1762021Revenue 2022: $21,896,968Expenses 2022: $18,439,711Net Income 2022: $3,457,2572022Revenue 2023: $26,775,928Expenses 2023: $24,543,831Net Income 2023: $2,232,0972023Revenue 2024: $28,059,143Expenses 2024: $26,333,188Net Income 2024: $1,725,9552024

Highlighted filing

2024

Revenue$28,059,143
Expenses$26,333,188
Net Income$1,725,955

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$357$320$37.1$28.1$26.3$1.73
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$352$317$35.1$26.8$24.5$2.23
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$360$327$32.9$21.9$18.4$3.46
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$330$299$30.5$17.6$14.5$3.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$308$280$27.7$15.0$14.0$1.01
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$259$233$26.2$14.2$12.7$1.43
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$257$233$23.9$12.8$11.8$1.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$246$223$23.0$15.7$11.6$4.10
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$234$216$18.8$10.4$9.26$1.17
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$222$205$17.8$10.2$8.68$1.48
2014Detailed filing. Detailed filing data is available for this year.$217$200$16.3$9.54$9.16$0.38
2013Detailed filing. Detailed filing data is available for this year.$205$191$14.2$9.16$8.59$0.57
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$205$189$16.4$8.90
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$201$185$16.1$9.77
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$186$172$13.5$9.60
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 13, 2025
Return Version
2024v5.2
Gross Receipts
$28,110,724
Mission and Program Overview

Mission

See schedule oeagle community credit union is a cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, eagle community credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefits, or services of the credit union being distributed to its members as patrons.

A cooperative, organized for the purpose of promoting thrift and savings among its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$292,160,164$290,161,894▼ $1,998,270
Savings and Temporary Cash Investments$26,125,914$40,136,067▲ $14,010,153
Rtn Earn Endowment Incm Other Fnds$35,133,428$37,081,032▲ $1,947,604
Investments in Publicly Traded Securities$16,434,464$9,291,809▼ $7,142,655
Land, Buildings, and Equipment, Net$4,812,329$3,821,441▼ $990,888
Cash and Non-Interest-Bearing Accounts$3,951,417$3,736,673▼ $214,744
Prepaid Expenses and Deferred Charges$1,062,433$1,250,118▲ $187,685
Receivables From Officers Etc-$55,628-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$352,378,562$356,941,911▲ $4,563,349
Other Assets Total$7,831,841$8,488,281▲ $656,440
Liabilities
Other Liabilities$307,921,646$312,492,014▲ $4,570,368
Accounts Payable and Accrued Expenses$9,323,488$7,368,865▼ $1,954,623
Total Liabilities$317,245,134$319,860,879▲ $2,615,745
Net Assets / Fund Balance
Total Net Assets Fund Balance$35,133,428$37,081,032▲ $1,947,604
Total Liabilities and Net Assets / Fund Balance$352,378,562$356,941,911▲ $4,563,349

Asset Categories

AssetBook ValueDepreciationBasis</