PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Educational Community Alliance

Toledo, OH · Charter 68181

NCUA · 2 branches

Q2 2026

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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.58%0.20%0.58%0.78%0.73%0.75%0.79%+21 bps
Return on Equity5.33%5.01%1.87%5.31%6.90%6.59%6.74%6.95%+165 bps
Net Interest Margin3.22%3.24%3.25%3.36%3.52%3.49%3.61%3.73%+36 bps
Efficiency Ratio81.07%81.53%85.62%80.97%77.69%77.01%79.53%77.68%-329 bps
Growth
Asset Growth (YoY)-1.95%4.20%4.50%7.62%7.53%11.42%6.11%4.27%-335 bps
Loan Growth (YoY)-1.70%2.13%2.82%8.04%11.19%9.94%10.73%11.77%+372 bps
Share Growth (YoY)-3.82%4.01%4.79%7.92%7.67%12.76%5.82%2.98%-494 bps
Asset Quality
Delinquent Loans / Loans0.42%0.31%0.23%0.23%0.33%0.46%0.19%0.14%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.51%11.51%10.93%10.98%11.37%11.03%11.13%11.33%+36 bps
Net Worth / Assets11.51%11.51%10.93%10.98%11.37%11.03%11.13%11.33%+36 bps
Liquidity & Funding
Loans / Shares63.61%64.16%60.74%62.46%65.69%62.55%63.56%67.79%+533 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps