Side-by-side · Q2 2026 data
Tlc Community 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 | Tlc Community Credit Union | Educational Community Alliance Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 77 |
| Capital cushion | 95 (stronger) | 63 |
| Loan quality | 95 | 95 |
| Earnings | 66 (stronger) | 52 |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 95th | 57th |
| Total assets | $950.2M | $68.9M |
| Deposits / shares | $746.7M | $60.1M |
| Capital ratio | 14.48% (stronger) | 11.33% |
| Problem loans | 0.14% | 0.14% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.41% |
| Return on assets | 1.15% (stronger) | 0.79% |
| Loans ÷ deposits | 60.5% (stronger) | 67.8% |
| Uninsured deposits | 6.3% | 5.8% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | — |
Tlc Community Credit Union has the higher TellerScore (90 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Tlc Community Credit Union leads on 5 and Educational Community Alliance Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.