Federal credit union · Cleveland, Ohio · NCUA charter #97078
BSE
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $17.6M
- Total assets
- 2,286
- Members
- 9.6%
- Net-worth ratio
BSE scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.6M; members 2,286; net-worth ratio 9.57%; health rank #3,013 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,013 of 4,374 health · 2025Q4BSE · health 78/100 · $17.6M · 2025Q4
Call Report peers
BSE in the assets neighbourhood
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BSE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BSE sits in 75-79 with 502 others.
78 31st percentile higher than 31% 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
Where BSE diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.02% vs peer 1.15% (-1.13 pp).
- Loan-to-Share Ratio trails the peer set - 35.03% here, 59.80% peer average (-24.77 pp).
Ohio standing for BSE
- In Ohio, health place is #143 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #145 of 196.
- Membership ranks #139 of 196 among Ohio CUs with a reported count (2,286 members).
- One place up in Ohio, Cardinal Credit Union, Inc. (#142) ties at 78/100; one place down, Local 50 Plumbers & Steamftrs (#144) scores 77/100, 1 point lower.
BSE: 2025Q4 → 2026Q1
BSE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $17.6M (2025Q4) to $17.7M (2026Q1).
- Net-worth ratio shifted +0.05 pp (9.52% → 9.57%).
9.57% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
BSE gives up 22 points in total. Member Growth costs the most, 12.9 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 28.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.8 pts
- Member Growth 2.1 pts
- Loan-to-Share Ratio 9.2 pts
BSE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.57% | -5.29 pp |
| Delinquency Rate | 0.02% | -1.13 pp |
| Return on Assets | 0.35% | -0.35 pp |
| Member Growth | -3.83% | - |
| Loan-to-Share Ratio | 35.03% | -24.77 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.7M | - |
| 2025Q4 | $17.6M | 2,286 |
| 2024Q4 | $17.5M | 2,377 |
| 2023Q4 | $18.8M | 2,484 |
Credit Union Details
- Charter Number
- 97078
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Cleveland
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for BSE, spread across 2 cities.
| Office | City |
|---|---|
| BSE Credit Union Inc. (Main Office) | Cleveland, OH |
| BSE Credit Union | Cleveland, OH |
| AMI Information Systems | Dayton, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Cross-state Call Report peers for BSE
Using this data
- BSE ranks #3,013 of 4,374 nationally on financial health and #143 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Toledo Urban is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Toledo Urban
Frequently Asked Questions
Is BSE financially healthy?
BSE has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,013 of 4,374 nationally on health and #143 of 196 in Ohio. Its net worth ratio is 9.57% and its delinquency rate 0.02%.
How does BSE compare to other credit unions?
BSE scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.02% vs 1.15%). Its widest shortfall is loan-to-share ratio (35.03% vs 59.80%).
How can I join BSE?
Membership eligibility for BSE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact BSE directly for current membership requirements and application steps.
Is my money safe at BSE?
BSE is a federal 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. BSE's net worth ratio of 9.57% 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.