Toledo, Ohio · Peer group 4
Educational Community Alliance Credit Union
Educational Community Alliance Credit Union holds $68.9M in assets across 5,286 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1934. Charter number 68181, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $68.9M |
|---|---|
| Total loans | $38.6M |
| Total shares (deposits) | $60.7M |
| Net worth | $7.7M |
| Members | 5,286 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 6.1% | |
|---|---|---|
| Loans | 10.7% | higher than 92% of its peer group |
| Deposits | 5.8% | around the 80th percentile of its peer group |
| Members | 1.2% | around the 80th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 63.6% | around the 55th percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.1% | around the 32nd percentile of its peer group |
| Return on assets | 0.75% | around the 54th percentile of its peer group |
| Delinquency ratio | 0.19% | around the 19th percentile of its peer group |
| Cash / assets | 4.4% | lower than 92% of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Educational Community Alliance Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Ohio — the comparison set a peer ratio is measured against.
- Kh Credit Union, Inc.
Dayton, OH
$69.4M · 7,774 members
- Doy Credit Union
Youngstown, OH
$70.1M · 2,078 members
- Millstream Area Credit Union
Findlay, OH
$70.3M · 7,832 members
- L C E Credit Union
Painesville, OH
$71.1M · 5,656 members
- Postal Family Credit Union, Inc.
CINCINNATI, OH
$66.4M · 4,014 members
- Southeastern Ohio Credit Union
Cambridge, OH
$65.4M · 6,475 members
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