Credit Union Safety Analysis
Is Associated School Employees Credit Union, Inc. Safe? Youngstown, Ohio
Based on its Q2 2026 NCUA 5300 call report, Associated School Employees Credit Union, Inc. has a net worth ratio of 10.26%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.30%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Associated School Employees Credit Union, Inc.'s net worth ratio is 10.26%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.26%
- Delinquency ratio (60+ days) (Q2 2026): 0.30%
- Return on assets (Q2 2026): 1.17%
- Loan-to-share ratio (Q2 2026): 98.50%
Associated School Employees Credit Union, Inc. (NCUA charter 68587, established 1959) reported $222.1M in assets and 15,653 members for Q2 2026 from Youngstown, Ohio. It ranks 44 of 191 credit unions in Ohio by total assets. Total assets grew 8.4% from $204.9M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.06% for Q1 2026; 9.92% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.39% for Q1 2026; 0.29% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.12% for Q1 2026; 1.04% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 96.17% for Q1 2026; 94.25% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $82.6M
- Used vehicle loans: $75.6M
- 1- to 4-family residential and other consumer real estate loans: $34.8M
- Other secured non-real estate loans and lines of credit: $2.0M
- Other unsecured loans and lines of credit: $519K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $222.1M | 10.26% | 0.30% | 1.17% | 98.50% |
| March 31, 2026 | $220.2M | 10.06% | 0.39% | 1.12% | 96.17% |
| December 31, 2025 | $211.9M | 10.16% | 0.24% | 1.44% | 95.69% |
| September 30, 2025 | $208.5M | 9.96% | 0.20% | 0.89% | 95.88% |
| June 30, 2025 | $204.9M | 9.92% | 0.29% | 1.04% | 94.25% |
| March 31, 2025 | $199.9M | 9.90% | 0.31% | 1.02% | 86.89% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Associated School Employees Credit Union, Inc. profile
Regulator records: NCUA credit union profile (charter 68587) · FFIEC NIC profile (RSSD 22691)
Frequently asked questions
Is Associated School Employees Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, Associated School Employees Credit Union, Inc.'s net worth ratio is 10.26%, above the 7% NCUA threshold for well capitalized.
Is Associated School Employees Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. Associated School Employees Credit Union, Inc. is a federally insured credit union (NCUA charter 68587): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Associated School Employees Credit Union, Inc.'s key safety ratios?
For Q2 2026, Associated School Employees Credit Union, Inc. reports net worth 10.26%, delinquency 0.30%, ROA 1.17%, loan-to-share 98.50%.
What happens to my money if Associated School Employees Credit Union, Inc. fails?
For Q2 2026, Associated School Employees Credit Union, Inc. held $198.6M in shares and deposits for 15,653 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.