Bse Credit Union, Inc. Cleveland, Ohio
Bse Credit Union, Inc. is a state-chartered credit union headquartered in Cleveland, OH, established in 1955 (NCUA charter 97078), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,230 members and total assets of $17.3M (down 6.1% from Q2 2025), the 147th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 9.93% 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
- 97078
- Headquarters
- Cleveland, OH
- Established
- 1955
- Total assets, Q2 2026
- $17.3M
- Assets vs Q2 2025
- -6.1%
- Members, Q2 2026
- 2,230
- Net worth ratio, Q2 2026
- 9.93%
- Latest call report
- Q2 2026, NCUA 5300 · Bse Credit Union, Inc. call report
- Asset rank in state
- 147th of 191 in Ohio
- Routing number
- 241274116
- Branches
- 3
It has 108 fewer members than on June 30, 2025 (-4.6%). Its net worth ratio was up 0.88 percentage points from 9.05% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.2M of $5.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.07% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 9.93% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Ohio
Frequently asked about Bse Credit Union, Inc.
How big is Bse Credit Union, Inc.?
At Q2 2026 it reported total assets of $17.3M and 2,230 members.
Where is Bse Credit Union, Inc. headquartered?
It is headquartered in Cleveland, OH, United States.
When was Bse Credit Union, Inc. founded?
It was established in 1955, per NCUA records.
Is Bse Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 97078): 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 Bse 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 Bse Credit Union, Inc. well capitalized?
Its net worth ratio was 9.93% 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 Bse Credit Union, Inc.'s delinquency ratio?
Its delinquency ratio was 0.07% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Bse Credit Union, Inc.'s loan-to-share ratio?
Its loan-to-share ratio was 35.15% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cleveland, OH 44130
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 97078
- RSSD ID
- 340395
- Members
- 2,230
- Potential members
- 10,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M 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: 11.14% to 19.38% | 9.93% | 14.31% | 16th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.63% | 0.72% | 46th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.39% | 4.74% | 60th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.34% | 3.93% | 67th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 87.59% | 79.83% | 34th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.11% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.07% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.45% | 4.70% | 37th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 35.15% | 58.92% | 17th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$17.3M total assets against $18.5M; $15.5M total shares and deposits against $16.6M; $5.4M total loans against $5.5M.
$1.7M net worth against $1.7M.
9.93% net worth ratio against 9.05%.
35.15% loan-to-share ratio against 33.08%.
0.07% delinquency ratio.
0.63% return on assets against 0.41%; 6.39% return on equity against 4.52%.
4.34% net interest margin against 3.55%.
2,230 members against 2,338.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.93% | 0.63% | 0.07% | 35.15% |
| March 31, 2026 | 9.57% | 0.34% | 0.06% | 33.27% |
| December 31, 2025 | 9.52% | 0.00% | 0.02% | 35.03% |
| September 30, 2025 | 9.67% | 0.33% | 0.03% | 34.18% |
| June 30, 2025 | 9.05% | 0.41% | — | 33.08% |
| March 31, 2025 | 8.99% | 0.15% | 0.04% | 33.26% |
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.