State credit union · TOLEDO, Ohio · NCUA charter #68181
Educational Community Alliance
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $68.4M
- Total assets
- 5,320
- Members
- 11.1%
- Net-worth ratio
Educational Community Alliance scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $68.4M; members 5,320; net-worth ratio 11.13%; health rank #654 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#654 of 4,374 health · 2025Q4Educational Community Allia… · health 93/100 · $68.4M · 2025Q4
- NW 93/100
- DELQ 11.1%
- ROA 0.46%
- ASSETS 0.52%
- MEM $68.4M
- RANK 5,320
- PHOTO #654/4,374
- BOOK Latitude 32
- CHARTER 68181
Call Report peers
Educational Community Alliance in the assets neighbourhood
Educational Community Alliance's $68.4M assets sit next to Latitude 32 ($68.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Educational Community Alliance vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Educational Community Alliance - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68181: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Educational Community Alliance diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.46% vs peer 0.96% (-0.50 pp).
- Net Worth Ratio trails the peer set - 11.13% here, 13.62% peer average (-2.49 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Educational Community Alliance: in-state Call Report ranks
- Health composite ranks #23 of 196 among scored Ohio credit unions.
- By total assets, Educational Community Alliance is #95 of 196 in Ohio.
- Member book place in Ohio: #95 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Educational Community Alliance
Educational Community Alliance: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $68.4M (2025Q4) to $68.9M (2026Q1).
- Net-worth ratio shifted +0.10 pp (11.03% → 11.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.13% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 13.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.13% | -2.49 pp |
| Delinquency Rate | 0.46% | -0.50 pp |
| Return on Assets | 0.52% | -0.14 pp |
| Member Growth | 0.87% | - |
| Loan-to-Share Ratio | 62.55% | -0.05 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Educational Community Allia… filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $68.9M | - |
| 2025Q4 | $68.4M | 5,320 |
| 2024Q4 | $61.4M | 5,274 |
| 2023Q4 | $58.9M | 5,743 |
Credit Union Details
- Charter Number
- 68181
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- TOLEDO
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Educational Community Alliance runs 2 offices.
| Office | City |
|---|---|
| Angola Branch (Main Office) | Toledo, OH |
| Educational Community Alliance Credit Union | Toledo, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Educational Community Alliance nationwide neighbourhoods
Two NCUA Call Report peer sets for Educational Community Alliance, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($68.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Educational Community Alliance ranks #654 of 4,374 nationally on financial health and #23 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- L C E is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with L C E
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Educational Community Alliance financially healthy?
Educational Community Alliance scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #654 of 4,374; by total assets it ranks #2,155 of 4,374 nationally (same basis as /rankings/largest); and #95 of 196 within Ohio. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.13% net worth ratio and a 0.46% delinquency rate.
How does Educational Community Alliance compare to other credit unions?
PlainCU's health composite puts Educational Community Alliance at 93/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Educational Community Alliance?
Membership eligibility for Educational Community Alliance depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Educational Community Alliance directly for current membership requirements and application steps.
Is my money safe at Educational Community Alliance?
Federal credit unions like Educational Community Alliance are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Educational Community Alliance's net worth ratio of 11.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Educational Community Alliance offer compared to banks?
Credit unions like Educational Community Alliance are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Educational Community Alliance directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.