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
Call Report peers
Educational Community Alliance in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Educational Community Alliance sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Ohio, DESCO (#22) ties at 93/100; one place down, First Service (#24) ties at 93/100.
Quarter path for Educational Community Alliance
Educational Community Alliance: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $68.4M (2025Q4) to $68.9M (2026Q1).
- Net-worth ratio shifted +0.10 pp (11.03% → 11.13%).
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
Educational Community Alliance gives up 7 points in total. Member Growth costs the most, 5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Educational Community Alliance financially healthy?
On its 2025Q4 NCUA 5300 filing, Educational Community Alliance scores 93/100 (Excellent), with a 11.13% net worth ratio and 0.46% of loans delinquent. It ranks #654 of 4,374 nationally on health and #23 of 196 in Ohio.
How does Educational Community Alliance compare to other credit unions?
Educational Community Alliance scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.46% vs 0.96%). Its widest shortfall is net worth ratio (11.13% vs 13.62%).
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?
Educational Community Alliance is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.