State credit union · Youngstown, Ohio · NCUA charter #68587
Associated School Employees
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $211.9M
- Total assets
- 15,278
- Members
- 10.1%
- Net-worth ratio
Associated School Employees scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $211.9M; members 15,278; net-worth ratio 10.06%; health rank #205 of 4,374; healthier than 95th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#205 of 4,374 health · 2025Q4Associated School Employees · health 97/100 · $211.9M · 2025Q4
- DELQ 97/100
- ROA 10.1%
- ASSETS 0.24%
- MEM 0.75%
- RANK $211.9M
- PHOTO 15,278
- BOOK #205/4,374
- CHARTER U S #1364
- NCUSIF 68587
Call Report peers
Associated School Employees in the assets neighbourhood
Associated School Employees's $211.9M assets sit next to U S #1364 ($212.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Associated School Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Associated School Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68587, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Associated School Employees: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 95.69% here, 72.20% peer average (+23.49 pp).
- Largest lag: Net Worth Ratio at 10.06% vs peer 12.11% (-2.05 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for Associated School Employees
- Health composite ranks #9 of 196 among scored Ohio credit unions.
- Assets rank #44 of 196 inside Ohio ($211.9M reported).
- Ohio membership ordinal: #46 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Associated School Employees: 2025Q4 → 2026Q1
Associated School Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $211.9M (2025Q4) to $220.2M (2026Q1).
- Net-worth ratio shifted -0.10 pp (10.16% → 10.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.06% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.0 pts
Associated School Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.06% | -2.05 pp |
| Delinquency Rate | 0.24% | -0.65 pp |
| Return on Assets | 0.75% | +0.13 pp |
| Member Growth | 7.31% | - |
| Loan-to-Share Ratio | 95.69% | +23.49 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Associated School Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $220.2M | - |
| 2025Q4 | $211.9M | 15,278 |
| 2024Q4 | $192.3M | 14,237 |
| 2023Q4 | $183.8M | 14,212 |
Credit Union Details
- Charter Number
- 68587
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Youngstown
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Associated School Employees runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Associated School Employees Credit Union (Main Office) | Youngstown, OH |
| Associated School Employees Credit Union | Newton Falls, OH |
| Associated School Employees Credit Union | Warren, OH |
| Associated School Employees Credit Union | Youngstown, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Other-state peers near Associated School Employees
Two NCUA Call Report peer sets for Associated School Employees, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($211.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Associated School Employees ranks #205 of 4,374 nationally on financial health and #9 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- STARK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with STARK
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Associated School Employees financially healthy?
Yes/no aside, the number is 97/100 (Excellent) - Associated School Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #205 of 4,374; by total assets it ranks #1,242 of 4,374 nationally (same basis as /rankings/largest); and #44 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.06% net worth ratio and 0.24% delinquency rate are the key drivers.
How does Associated School Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Associated School Employees's 97/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Associated School Employees?
Membership eligibility for Associated School Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Associated School Employees directly for current membership requirements and application steps.
Is my money safe at Associated School Employees?
Federal credit unions like Associated School Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Associated School Employees's net worth ratio of 10.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Associated School Employees offer compared to banks?
Credit unions like Associated School Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Associated School Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.