Associated School Employees Credit Union (NCUA charter #68587) is based in Youngstown, Ohio. Its Q2 2026 call report shows $222.1M in total assets and $198.6M in member shares and deposits and 4 offices.
Based on its Q2 2026 filing, Associated School Employees Credit Union scores 70/100, which we describe as strong. That is higher than 51% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 98th. Its strongest component is problem-loan coverage (95/100; 2.6%), and its lowest is capital cushion (53/100; 10.26%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 70).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 70 |
| Q4 2024 | 69 |
| Q1 2025 | 70 |
| Q2 2025 | 69 |
| Q3 2025 | 69 |
| Q4 2025 | 71 |
| Q1 2026 | 69 |
| Q2 2026 | 70 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.87% |
| Q3 2024 | 10.05% |
| Q4 2024 | 10.02% |
| Q1 2025 | 9.90% |
| Q2 2025 | 9.92% |
| Q3 2025 | 9.96% |
| Q4 2025 | 10.16% |
| Q1 2026 | 10.06% |
| Q2 2026 | 10.26% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.34% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.29% |
| Q3 2025 | 0.20% |
| Q4 2025 | 0.24% |
| Q1 2026 | 0.39% |
| Q2 2026 | 0.30% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.70% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.83% |
| Q1 2025 | 1.02% |
| Q2 2025 | 1.02% |
| Q3 2025 | 0.96% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.12% |
| Q2 2026 | 1.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $222.1M | 10.26% | 0.30% | 1.14% | 98.5% |
| Q1 2026 | 69 | $220.2M | 10.06% | 0.39% | 1.12% | 96.2% |
| Q4 2025 | 71 | $211.9M | 10.16% | 0.24% | 1.07% | 95.7% |
| Q3 2025 | 69 | $208.5M | 9.96% | 0.20% | 0.96% | 95.9% |
| Q2 2025 | 69 | $204.9M | 9.92% | 0.29% | 1.02% | 94.3% |
| Q1 2025 | 70 | $199.9M | 9.90% | 0.31% | 1.02% | 86.9% |
| Q4 2024 | 69 | $192.3M | 10.02% | 0.33% | 0.83% | 79.8% |
| Q3 2024 | 70 | $187.1M | 10.05% | 0.34% | 0.73% | 74.6% |
| Q2 2024 | 69 | $186.9M | 9.87% | 0.39% | 0.70% | 72.7% |
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).
Similar-size credit unions in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Stark Federal Credit UnionCredit union Canton, OH | 83 out of 100, Strong | $217.7M | 13.3% | 0.76% | vs |
| Towpath Credit UnionCredit union Fairlawn, OH | 67 out of 100, Moderate | $214.9M | 11.4% | 0.95% | vs |
| Achieve Credit UnionCredit union Elyria, OH | 69 out of 100, Moderate | $210.1M | 11.3% | 1.01% | vs |
| First Service Federal Credit UnionCredit union Groveport, OH | 72 out of 100, Strong | $236.3M | 10.2% | 0.12% | vs |
| Quest Federal Credit UnionCredit union Kenton, OH | 60 out of 100, Moderate | $237.5M | 8.8% | 0.94% | vs |
| Impact Credit Union, Inc.Credit union Clyde, OH | 63 out of 100, Moderate | $205.7M | 8.9% | 0.43% | vs |
Deposit insurance
Is my money safe at Associated School Employees Credit Union?
Yes. Associated School Employees Credit Union is a federally insured credit union (NCUA charter #68587). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.7% of shares and deposits ($1.4M) 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 10.26%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Associated School Employees Credit Union lists 4 offices in 3 cities. Most locations:
- Youngstown, OH (2)
- Newton Falls, OH (1)
- Warren, OH (1)
HMDA 2025
Mortgage lending
In 2025, Associated School Employees Credit Union reported 63 home-loan applications under HMDA (LEI 549300EBDJ0OSO5L7O79): 63 originated ($3,505,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Associated School Employees Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68587
- RSSD ID
- 22691
- Primary regulator
- State + NCUA
- Established
- 1958
- Headquarters
- 1690 S. Canfiled Niles Rd, Youngstown, OH 44515
- Employees
- 37
Quick answers
Associated School Employees Credit Union: common questions
Is Associated School Employees Credit Union NCUA insured?
Yes. Associated School Employees Credit Union is a federally insured credit union (NCUA charter #68587). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Associated School Employees Credit Union's TellerScore?
70 out of 100 (Strong), 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 Associated School Employees Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Youngstown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Doy Federal Credit UnionCredit union Youngstown, OH | 85 out of 100, Very strong | $70.8M | 14.1% | 0.25% | vs |
| Stark Federal Credit UnionCredit union Canton, OH | 83 out of 100, Strong | $217.7M | 13.3% | 0.76% | vs |
| First Choice Federal Credit UnionCredit union New Castle, PA | 82 out of 100, Strong | $94.5M | 12.6% | 0.79% | vs |
| Pennstar Federal Credit UnionCredit union Hermitage, PA | 81 out of 100, Strong | $58.7M | 15.6% | 1.01% | vs |
| McDonald Community Federal Credit UnionCredit union Mc Donald, OH | 79 out of 100, Strong | $4.4M | 12.5% | 0.00% | vs |
| New Castle Bellco Federal Credit UnionCredit union New Castle, PA | 79 out of 100, Strong | $14.9M | 11.9% | 0.04% | vs |