CU Explorer

Eagle Community CU AI Score

Credit union in Lake Forest, CA · NCUA charter #66847 · State charter (federally insured)

Legal name: Eagle Community

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$409M
Total loans & leases$337M
Total shares & deposits$363M
Members23,290
Net worth$40.6M
Net worth / assets9.91%
Loans / assets82.39%
Return on assets (annualized)0.56%
Loan growth (YoY)15.97%
Member growth (YoY)3.69%
Delinquency, all loans (60+ days)0.49%
CharterState charter (federally insured)
Asset band$250M–$1B
NCUA peer group$100M–$500M
Sponsor typeCommunity (inferred from the name)

AI readiness

AI Score: 4 of 5 stars, AI embedded in workflows

AI makes or shapes decisions inside a business process: AI-driven loan decisioning or underwriting, AI in collections, document processing or onboarding, AI routing in the contact centre.

Eagle Community Credit Union runs a voice virtual assistant called EVA that answers member calls, looks up account information and handles routine transactions, and decides when to connect the caller to the right representative. That places AI inside the contact-centre process, not just as an informational chatbot.

  • EVA - Eagle's Virtual Assistant eaglecu.org · web search
    “She’ll either provide the answer, complete the task, or quickly connect you with the right representative if you need more specialized help.”
  • Eagle Community CU website eaglecu.org · 2026-09-22 · website scan
    “EVA - Eagle's Virtual Assistant”
  • EVA - Eagle's Virtual Assistant eaglecu.org · web search
    “When you call us, EVA will be the first friendly voice to greet you. She’s designed to help you get answers right away—day or night, weekday or weekend.”
  • EVA - Eagle's Virtual Assistant eaglecu.org · web search
    “Handle routine banking – Check balances, review recent transactions, transfer funds, or make a payment with just your voice.”

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech unsecured lending, fintech P2P payments, fintech for communication / chat, online membership application, online loan application, online account opening, online loan payments, bill payment, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

In the explorer: ten-year history for every metric, balance sheet and income statement drill-downs, percentile rankings against asset-size peers, leaders and board, branches, and growth opportunities.

Other credit unions in California

All credit unions in California →