Side-by-side · Q2 2026 data
First Service Federal Credit Union vs Associated School Employees Credit Union
Credit union
Associated School Employees Credit Union
Youngstown, Ohio · $100 million – $1 billion
Metric by metric
| Measure | First Service Federal Credit Union | Associated School Employees Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 70 |
| Capital cushion | 52 | 53 (stronger) |
| Loan quality | 96 (stronger) | 90 |
| Earnings | 47 | 66 (stronger) |
| Funding & liquidity | 90 (stronger) | 62 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 57th | 51st |
| Total assets | $236.3M | $222.1M |
| Deposits / shares | $210.8M | $198.6M |
| Capital ratio | 10.16% | 10.26% (stronger) |
| Problem loans | 0.12% (stronger) | 0.30% |
| Net charge-offs | 0.27% | 0.19% (stronger) |
| Return on assets | 0.68% | 1.14% (stronger) |
| Loans ÷ deposits | 70.7% (stronger) | 98.5% |
| Uninsured deposits | 10.8% | 0.7% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.4% | 0.0% |
First Service Federal Credit Union has the higher TellerScore (72 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Service Federal Credit Union leads on 3 and Associated School Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.