I think you captured this at just the right moment. I like the pose of the bird and the overall composition.
The only thing I would wish for is that the talons had been sharper but you may not have had a speed fast enough if the aperture had been smaller depending on if you were willing to use higher ISO.
Hi Jerry- I like this image. The crop at the bottom provides some tension and you are left wondering what is there, although now I look more closely I can see something in the water. The overall position of the bird is really nice. Beautiful warm light too. A bit more sharpness would give the image some more punch.
I love this bird and what and how you captured it.
The only part that is bothering me, what keeps grabbing me is where his beak is against the wing, the wing is sharper so makes the beak look a but soft.
maybe increase sharpness, especially around the head for this reason.
there is a nice highlight in his eye that you could increase a bit.