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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.79% | 0.42% | 0.79% | 1.25% | Beats 50% | 8 / 16 | | |
| Return on Equity | 6.96% | 4.46% | 6.21% | 8.07% | Beats 56% | 7 / 16 | | |
| Net Interest Margin | 3.73% | 3.36% | 3.61% | 4.01% | Beats 63% | 6 / 16 | | |
| Efficiency Ratio | 77.68% | 73.52% | 82.33% | 89.54% | Beats 62% | 7 / 16 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.27% | 0.89% | 1.78% | Beats 87% | 3 / 16 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.33% | 10.18% | 11.33% | 14.76% | Beats 50% | 8 / 16 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.33% | 10.18% | 11.33% | 14.76% | Beats 50% | 8 / 16 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.79% | 46.01% | 53.43% | 81.29% | 69th pctl | 5 / 16 | | |
| Loans / Assets | 59.08% | 40.62% | 46.48% | 59.08% | 75th pctl | 4 / 16 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |