Side-by-side · Q2 2026 data
Associated School Employees Credit Union vs Towpath Credit Union
Credit union
Associated School Employees Credit Union
Youngstown, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Associated School Employees Credit Union | Towpath Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 67 |
| Capital cushion | 53 | 64 (stronger) |
| Loan quality | 90 (stronger) | 68 |
| Earnings | 66 (stronger) | 53 |
| Funding & liquidity | 62 | 76 (stronger) |
| Problem-loan coverage | 95 (stronger) | 88 |
| Peer percentile | 51st | 41st |
| Total assets | $222.1M | $214.9M |
| Deposits / shares | $198.6M | $190.0M |
| Capital ratio | 10.26% | 11.43% (stronger) |
| Problem loans | 0.30% (stronger) | 0.95% |
| Net charge-offs | 0.19% (stronger) | 0.69% |
| Return on assets | 1.14% (stronger) | 0.82% |
| Loans ÷ deposits | 98.5% | 84.2% (stronger) |
| Uninsured deposits | 0.7% | 0.0% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 14.6% |
Associated School Employees Credit Union has the higher TellerScore (70 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Associated School Employees Credit Union leads on 4 and Towpath Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.