Associated School Employees Credit Union, Inc. Youngstown, Ohio
Associated School Employees Credit Union, Inc. is a state-chartered credit union headquartered in Youngstown, OH, established in 1959 (NCUA charter 68587), and it is regulated and insured by the NCUA. At Q2 2026 it reported 15,653 members and total assets of $222.1M (up 8.4% from Q2 2025), the 44th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 10.26% at Q2 2026, in the well capitalized band.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68587
- Headquarters
- Youngstown, OH
- Established
- 1959
- Total assets, Q2 2026
- $222.1M
- Assets vs Q2 2025
- +8.4%
- Members, Q2 2026
- 15,653
- Net worth ratio, Q2 2026
- 10.26%
- Latest call report
- Q2 2026, NCUA 5300 · Associated School Employees Credit Union, Inc. call report
- Asset rank in state
- 44th of 191 in Ohio
- Routing number
- 241283181
- Branches
- 4
It has 571 more members than on June 30, 2025 (+3.8%). Its net worth ratio was up 0.34 percentage points from 9.92% on June 30, 2025. New vehicle loans are its largest loan category, $82.6M of $195.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.30% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.26% net worth ratio is below that band's 11.43% median.
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Frequently asked about Associated School Employees Credit Union, Inc.
How big is Associated School Employees Credit Union, Inc.?
At Q2 2026 it reported total assets of $222.1M and 15,653 members.
Where is Associated School Employees Credit Union, Inc. headquartered?
It is headquartered in Youngstown, OH, United States.
When was Associated School Employees Credit Union, Inc. founded?
It was established in 1959, per NCUA records.
Is Associated School Employees Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68587): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Associated School Employees Credit Union, Inc.?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Associated School Employees Credit Union, Inc. well capitalized?
Its net worth ratio was 10.26% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Associated School Employees Credit Union, Inc.'s delinquency ratio?
Its delinquency ratio was 0.30% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Associated School Employees Credit Union, Inc.'s loan-to-share ratio?
Its loan-to-share ratio was 98.50% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Youngstown, OH 44515
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1959
- NCUA Charter #
- 68587
- RSSD ID
- 22691
- Members
- 15,653
- Potential members
- 524,337
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.26% | 11.43% | 32nd below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.17% | 0.81% | 71st above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 11.42% | 7.02% | 83rd top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.29% | 3.70% | 25th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 69.34% | 76.55% | 74th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.35% | 1.24% | 41st below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.30% | 0.68% | 82nd top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.64% | 4.92% | 32nd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 98.50% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$222.1M total assets against $204.9M; $198.6M total shares and deposits against $183.7M; $195.6M total loans against $173.1M.
$22.8M net worth against $20.3M.
10.26% net worth ratio against 9.92%.
98.50% loan-to-share ratio against 94.25%.
0.30% delinquency ratio against 0.29%.
1.17% return on assets against 1.04%; 11.42% return on equity against 10.50%.
3.29% net interest margin against 3.27%.
15,653 members against 15,082.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.26% | 1.17% | 0.30% | 98.50% |
| March 31, 2026 | 10.06% | 1.12% | 0.39% | 96.17% |
| December 31, 2025 | 10.16% | 1.44% | 0.24% | 95.69% |
| September 30, 2025 | 9.96% | 0.89% | 0.20% | 95.88% |
| June 30, 2025 | 9.92% | 1.04% | 0.29% | 94.25% |
| March 31, 2025 | 9.90% | 1.02% | 0.31% | 86.89% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.