Side-by-side · Q2 2026 data
Pennstar Federal Credit Union vs Associated School Employees Credit Union
Credit union
Pennstar Federal Credit Union
Hermitage, Pennsylvania · Under $100 million in assets
Credit union
Associated School Employees Credit Union
Youngstown, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Pennstar Federal Credit Union | Associated School Employees Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 66 | 90 (stronger) |
| Earnings | 47 | 66 (stronger) |
| Funding & liquidity | 100 (stronger) | 62 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 68th | 51st |
| Total assets | $58.7M | $222.1M |
| Deposits / shares | $49.3M | $198.6M |
| Capital ratio | 15.59% (stronger) | 10.26% |
| Problem loans | 1.01% | 0.30% (stronger) |
| Net charge-offs | 0.39% | 0.19% (stronger) |
| Return on assets | 0.67% | 1.14% (stronger) |
| Loans ÷ deposits | 36.4% (stronger) | 98.5% |
| Uninsured deposits | 1.1% | 0.7% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Pennstar Federal Credit Union has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Pennstar 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.