EDUCATIONAL COMMUNITY ALLIANCE
Charter #68181 · Toledo, OH · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.19% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 36th — a 17-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EDUCATIONAL COMMUNITY ALLIANCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $68.92M | 45th pct | 41th pct |
| Members | 5,286 | 55th pct | 49th pct |
| Net worth ratio | 11.13% | 32th pct | 43th pct |
| Return on average assets | 0.75% | 54th pct | 36th pct |
| Net interest margin | 3.63% | 47th pct | 39th pct |
| Cost of funds | 0.88% | 47th pct | 34th pct |
| Loan-to-share | 63.56% | 55th pct | 46th pct |
| Delinquency 60+ days | 0.19% | 19th pct | 23th pct |
| Net charge-off ratio | 0.00% | 14th pct | 13th pct |
| Loan growth YoY | 2.08% | 80th pct | 75th pct |
| Share growth YoY | 5.51% | 78th pct | 64th pct |
| Efficiency ratio | 79.53% | 49th pct | 62th pct |
structural peer set hash: 23ed3088d9c6679212e3cbacc3cf267c… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.