Side-by-side · Q2 2026 data
Educational Community Alliance Credit Union vs Millstream Area Credit Union
Credit union
Educational Community Alliance Credit Union
Toledo, Ohio · Under $100 million in assets
Metric by metric
| Measure | Educational Community Alliance Credit Union | Millstream Area Credit Union |
|---|---|---|
| TellerScore | 77 | 82 (stronger) |
| Capital cushion | 63 | 76 (stronger) |
| Loan quality | 95 (stronger) | 78 |
| Earnings | 52 | 77 (stronger) |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 57th | 70th |
| Total assets | $68.9M | $70.8M |
| Deposits / shares | $60.1M | $61.3M |
| Capital ratio | 11.33% | 12.64% (stronger) |
| Problem loans | 0.14% (stronger) | 0.66% |
| Net charge-offs | 0.41% | 0.38% (stronger) |
| Return on assets | 0.79% | 1.41% (stronger) |
| Loans ÷ deposits | 67.8% | 55.9% (stronger) |
| Uninsured deposits | 5.8% | 0.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Millstream Area Credit Union has the higher TellerScore (82 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Educational Community Alliance Credit Union leads on 1 and Millstream Area Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.