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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 (quarter, annualized)

0.79%+21 bps YoY

Net Interest Margin (quarter, annualized)

3.73%+36 bps YoY

Efficiency Ratio (quarter, annualized)

77.68%-329 bps YoY

Net Worth / Assets

11.33%+36 bps YoY

Discrete quarter, annualized.

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