TellerScore

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

Capital cushion53/100
Net worth ratio: 10.26%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.30%
Earnings66/100
Return on assets (annualized): 1.14%
Funding & liquidity62/100
Loans ÷ shares: 98.5% · 0.7% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.55%

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).

TellerScore
697071Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202470
Q4 202469
Q1 202570
Q2 202569
Q3 202569
Q4 202571
Q1 202669
Q2 202670
Net worth ratio
7.00%8.63%10.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.87%
Q3 202410.05%
Q4 202410.02%
Q1 20259.90%
Q2 20259.92%
Q3 20259.96%
Q4 202510.16%
Q1 202610.06%
Q2 202610.26%
Delinquent loans (60+ days)
0.20%0.30%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.39%
Q3 20240.34%
Q4 20240.33%
Q1 20250.31%
Q2 20250.29%
Q3 20250.20%
Q4 20250.24%
Q1 20260.39%
Q2 20260.30%
Return on assets
0.70%0.92%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.73%
Q4 20240.83%
Q1 20251.02%
Q2 20251.02%
Q3 20250.96%
Q4 20251.07%
Q1 20261.12%
Q2 20261.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$222.1M10.26%0.30%1.14%98.5%
Q1 202669$220.2M10.06%0.39%1.12%96.2%
Q4 202571$211.9M10.16%0.24%1.07%95.7%
Q3 202569$208.5M9.96%0.20%0.96%95.9%
Q2 202569$204.9M9.92%0.29%1.02%94.3%
Q1 202570$199.9M9.90%0.31%1.02%86.9%
Q4 202469$192.3M10.02%0.33%0.83%79.8%
Q3 202470$187.1M10.05%0.34%0.73%74.6%
Q2 202469$186.9M9.87%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).

Capital ratio10.26%
33rd
Problem loans0.30%
82nd
Net charge-offs0.19%
72nd
Return on assets1.14%
74th
Loans to deposits98.5%
4th
Uninsured deposits0.7%
96th
Loan-loss reserves0.00%
50th
Texas ratio2.6%
68th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Stark Federal Credit UnionCredit union Canton, OH83 out of 100, Strong$217.7M13.3%0.76%vs
Towpath Credit UnionCredit union Fairlawn, OH67 out of 100, Moderate$214.9M11.4%0.95%vs
Achieve Credit UnionCredit union Elyria, OH69 out of 100, Moderate$210.1M11.3%1.01%vs
First Service Federal Credit UnionCredit union Groveport, OH72 out of 100, Strong$236.3M10.2%0.12%vs
Quest Federal Credit UnionCredit union Kenton, OH60 out of 100, Moderate$237.5M8.8%0.94%vs
Impact Credit Union, Inc.Credit union Clyde, OH63 out of 100, Moderate$205.7M8.9%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.

Check how much of your own balance is covered

4 locations

Branches

Associated School Employees Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

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

InstitutionScoreAssetsCapitalProblem loansCompare
Doy Federal Credit UnionCredit union Youngstown, OH85 out of 100, Very strong$70.8M14.1%0.25%vs
Stark Federal Credit UnionCredit union Canton, OH83 out of 100, Strong$217.7M13.3%0.76%vs
First Choice Federal Credit UnionCredit union New Castle, PA82 out of 100, Strong$94.5M12.6%0.79%vs
Pennstar Federal Credit UnionCredit union Hermitage, PA81 out of 100, Strong$58.7M15.6%1.01%vs
McDonald Community Federal Credit UnionCredit union Mc Donald, OH79 out of 100, Strong$4.4M12.5%0.00%vs
New Castle Bellco Federal Credit UnionCredit union New Castle, PA79 out of 100, Strong$14.9M11.9%0.04%vs