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Educational Community Alliance

Toledo, OH · Charter 68181

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Toledo, OH area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Toledo, OH area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2026peer median (50)

Asset Quality

87

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

62

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Educational Community Alliance

Toledo, OH · Charter 68181

NCUA · 2 branches

Q2 2026

$68.9MAssets
$40.7MLoans
$60.1MShares
$7.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.79%, up 21 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.14% of loans (-10 bps YoY).
  • Capital: net worth / assets of 11.33%, up 36 bps from a year ago.
  • Funding: loans stand at 67.79% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.79%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+36 bps YoY

Efficiency Ratio (YTD, annualized)

77.68%-329 bps YoY

Net Worth / Assets

11.33%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.78%0.73%0.75%0.79%+21 bps
Return on Equity5.31%6.90%6.59%6.74%6.95%+165 bps
Net Interest Margin3.36%3.52%3.49%3.61%3.73%+36 bps
Efficiency Ratio80.97%77.69%77.01%79.53%77.68%-329 bps
Growth
Asset Growth (YoY)7.62%7.53%11.42%6.11%4.27%-335 bps
Loan Growth (YoY)8.04%11.19%9.94%10.73%11.77%+372 bps
Share Growth (YoY)7.92%7.67%12.76%5.82%2.98%-494 bps
Asset Quality
Delinquent Loans / Loans0.23%0.33%0.46%0.19%0.14%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.98%11.37%11.03%11.13%11.33%+36 bps
Net Worth / Assets10.98%11.37%11.03%11.13%11.33%+36 bps
Liquidity & Funding
Loans / Shares62.46%65.69%62.55%63.56%67.79%+533 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Educational Community Alliance

Toledo, OH · Charter 68181 · Peer group: credit unions under $1B in assets in the Toledo, OH area (n=16)

NCUA · 2 branches

Q2 2026

$68.9MAssets
$40.7MLoans
$60.1MShares
$7.8MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 87% of credit unions under $1B in assets in the Toledo, OH area (rank 3 of 16).
  • Widest gap: equity / assets trails 50% of credit unions under $1B in assets in the Toledo, OH area (rank 8 of 16).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

0.79%

Rank 8 of 16

Net Interest Margin

3.73%

Rank 6 of 16

Efficiency Ratio

77.68%

Rank 7 of 16

Equity / Assets

11.33%

Rank 8 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.79%0.42%0.79%1.25%Beats 50%8 / 16
Return on Equity6.96%4.46%6.21%8.07%Beats 56%7 / 16
Net Interest Margin3.73%3.36%3.61%4.01%Beats 63%6 / 16
Efficiency Ratio77.68%73.52%82.33%89.54%Beats 62%7 / 16
Asset Quality
Nonperforming Loans / Loans0.14%0.27%0.89%1.78%Beats 87%3 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.33%10.18%11.33%14.76%Beats 50%8 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.33%10.18%11.33%14.76%Beats 50%8 / 16
Liquidity & Funding
Loans / Deposits67.79%46.01%53.43%81.29%69th pctl5 / 16
Loans / Assets59.08%40.62%46.48%59.08%75th pctl4 / 16
Brokered Deposits / Depositsn/aNot reported for this institution