Side-by-side · Q2 2026 data
Doy Federal Credit Union vs Educational Community Alliance Credit Union
Credit union
Educational Community Alliance Credit Union
Toledo, Ohio · Under $100 million in assets
Metric by metric
| Measure | Doy Federal Credit Union | Educational Community Alliance Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 77 |
| Capital cushion | 91 (stronger) | 63 |
| Loan quality | 92 | 95 (stronger) |
| Earnings | 50 | 52 (stronger) |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 77th | 57th |
| Total assets | $70.8M | $68.9M |
| Deposits / shares | $60.8M | $60.1M |
| Capital ratio | 14.12% (stronger) | 11.33% |
| Problem loans | 0.25% | 0.14% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.41% |
| Return on assets | 0.75% | 0.79% (stronger) |
| Loans ÷ deposits | 44.9% (stronger) | 67.8% |
| Uninsured deposits | 4.5% (stronger) | 5.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Doy Federal Credit Union has the higher TellerScore (85 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Doy Federal Credit Union leads on 5 and Educational Community Alliance Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.