Educational Community Alliance Credit Union
Overview / Commentary
Educational Community Alliance Credit Union is headquartered in Toledo and is the 99th largest credit union in the state of Ohio. It is also the 2,215th largest credit union in the nation. It was established in 1934 and as of March of 2025, it had grown to 12 employees and 5,222 members at 2 locations. Educational Community Alliance Credit Union has an A health rating.
Field of Membership Restrictions
Educational Community Alliance Credit Union is open to current and retired educators, administrators, faculty, staff, and employees affiliated with the educational field throughout Toledo and its surrounding area. Membership is also extended to immediate family of current credit union members.
See current membership details
Health
A
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Educational Community Alliance Credit Union has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 68181 |
| Year Chartered | 1934 |
| Employees | 12 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.21% |
| Return on Equity - YTD | 1.88% |
| Annual Interest Income | $652K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $64.9MM$62.2MM |
| Loans | Q1 2025vs Q1 2024 | $34.8MM$33.9MM |
| Deposits | Q1 2025vs Q1 2024 | $57.3MM$54.7MM |
| Equity Capital | Q1 2025vs Q1 2024 | $7.1MM$6.8MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $224K$173K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $81K$96K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |