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
Call Report peers
Associated School Employees in the assets neighbourhood
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Associated School Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Associated School Employees sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Ohio, BMI (#8) ties at 97/100; one place down, St. James Parish (#10) scores 96/100, 1 point lower.
Associated School Employees: 2025Q4 → 2026Q1
Associated School Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $211.9M (2025Q4) to $220.2M (2026Q1).
- Net-worth ratio shifted -0.10 pp (10.16% → 10.06%).
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
Associated School Employees gives up 3 points in total. Loan-to-Share Ratio costs the most, 2.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Associated School Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Associated School Employees scores 97/100 (Excellent), with a 10.06% net worth ratio and 0.24% of loans delinquent. It ranks #205 of 4,374 nationally on health and #9 of 196 in Ohio.
How does Associated School Employees compare to other credit unions?
Associated School Employees scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (95.69% vs 72.20%). Its widest shortfall is net worth ratio (10.06% vs 12.11%).
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?
Associated School Employees is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.