Educational Community Alliance

TOLEDO, OH · 2 · Charter #68181 · www.educacu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$68.4M
20th percentile
Members
5,320
28th percentile
Total loans
$38.0M
24th percentile
Total shares
$60.7M
23th percentile

Profitability

Return on assets
1.06%
52th percentile
Net interest margin
3.49%
40th percentile
Efficiency ratio
66.07%
39th percentile
Non-interest income ratio
20.85%
68th percentile

Capital & Risk

Net worth ratio
11.03%
36th percentile
Delinquency rate
0.46%
68th percentile
Net charge-off rate
0.28%
56th percentile
Loan-to-share
62.55%
40th percentile

Growth

Member growth YoY
0.87%
68th percentile
Asset growth YoY
11.42%
91th percentile
Loan growth YoY
9.94%
87th percentile
Share growth YoY
12.76%
93th percentile

Operations

Members / branch
5,320
85th percentile
Assets / member
$12,852
36th percentile
Field of membership penetration
53.20%
91th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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