TellerScore

Ohio Educational Credit Union is a non-federally insured state credit union headquartered in Cleveland, Ohio, in business for about 126 years. At the end of Q2 2026 it reported $156.5M in total assets and $140.9M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Ohio Educational Credit Union scores 64/100, which we describe as moderate. That is higher than only 31% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 133rd. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is capital cushion (34/100; 8.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Net worth ratio: 8.36%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.18%
Earnings40/100
Return on assets (annualized): 0.49%
Funding & liquidity84/100
Loans ÷ shares: 76.6% · 0.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.47%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (62 → 64), mostly because the earnings component improved by 6 points.

TellerScore
616365Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202463
Q4 202463
Q1 202561
Q2 202562
Q3 202563
Q4 202564
Q1 202663
Q2 202664
Net worth ratio
7.00%7.68%8.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.66%
Q3 20247.98%
Q4 20248.12%
Q1 20257.92%
Q2 20257.92%
Q3 20258.10%
Q4 20258.21%
Q1 20268.10%
Q2 20268.36%
Delinquent loans (60+ days)
0.09%0.21%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.11%
Q3 20240.30%
Q4 20240.32%
Q1 20250.18%
Q2 20250.10%
Q3 20250.11%
Q4 20250.13%
Q1 20260.09%
Q2 20260.18%
Return on assets
0.28%0.50%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.71%
Q4 20240.70%
Q1 20250.28%
Q2 20250.35%
Q3 20250.45%
Q4 20250.52%
Q1 20260.30%
Q2 20260.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$156.5M8.36%0.18%0.49%76.6%
Q1 202663$158.2M8.10%0.09%0.30%74.6%
Q4 202564$154.7M8.21%0.13%0.52%78.4%
Q3 202563$153.9M8.10%0.11%0.45%80.4%
Q2 202562$154.2M7.92%0.10%0.35%76.5%
Q1 202561$152.3M7.92%0.18%0.28%74.8%
Q4 202463$147.1M8.12%0.32%0.70%75.8%
Q3 202463$147.5M7.98%0.30%0.71%74.6%
Q2 202465$150.2M7.66%0.11%0.70%71.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.36%
6th
Problem loans0.18%
91st
Net charge-offs-0.08%
100th
Return on assets0.49%
29th
Loans to deposits76.6%
48th
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio1.5%
82nd

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Lakeview Federal Credit UnionCredit union Ashtabula, OH85 out of 100, Very strong$155.1M13.0%0.26%vs
Bfg Federal Credit UnionCredit union Akron, OH73 out of 100, Strong$159.6M12.8%0.23%vs
Medina County Federal Credit UnionCredit union Wadsworth, OH88 out of 100, Very strong$151.3M12.3%0.09%vs
Trupartner Credit UnionCredit union Cincinnati, OH55 out of 100, Moderate$162.7M11.2%2.34%vs
Best Reward Federal Credit UnionCredit union Brook Park, OH76 out of 100, Strong$163.4M15.5%1.56%vs
Buckeye State Credit UnionCredit union Akron, OH67 out of 100, Moderate$166.5M10.3%0.47%vs

Deposit insurance

Is my money safe at Ohio Educational Credit Union?

Ohio Educational Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.36%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Ohio Educational Credit Union lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ohio Educational Credit Union
Type
Non-federally insured state credit union
NCUA charter #
95107
RSSD ID
135292
Primary regulator
State + NCUA
Established
1900
Headquarters
P.O. Box 93079, Cleveland, OH 44101
Employees
42

Quick answers

Ohio Educational Credit Union: common questions

Is Ohio Educational Credit Union NCUA insured?

Ohio Educational Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Ohio Educational Credit Union's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Ohio Educational Credit Union have?

5 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Cleveland Selfreliance Federal Credit UnionCredit union Parma, OH88 out of 100, Very strong$113.7M17.3%0.01%vs
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