Credit union · NCUA insured
Educational Community Alliance CU
A $68.9M credit union headquartered in Toledo, OH, with 5,286 members and 1 branch in Ohio. Best rates: CDs 4.58% and savings 0.25% APY.
Educational Community Alliance CU Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#13 of 31 in Toledo, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Educational Community Alliance CU
Founded in 1934 as Toledo Teachers Credit Union, Educational Community Alliance Credit Union is headquartered in Toledo, Ohio.
The member-owned, not-for-profit financial institution exclusively serves educators, administrators, staff, and students across the Toledo educational system.
- Headquarters
- 3845 Angola Rd, Toledo, OH 43615-6505
- NCUA charter
- 68181
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Anyone employed in or retired from any position within the education industry in the Toledo and surrounding area is eligible for membership.
Family and household
- Immediate family members of an Educational Community Alliance Credit Union member are eligible for membership.
Cost to join
- A minimum opening deposit of $5.00 into a new share savings account is required upon joining.
Branches
1 branch in Ohio
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Ohio
1 branch
- Angola BranchMain office3845 Angola Rd, Toledo, OH 43615Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.33% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.14% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.79% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $68 | $59 | — |
- CapitalNet worth ratio11.33%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.14%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.79%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$68Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Educational Community Alliance CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.