Associated School Employees
Youngstown, OH · Charter 68587 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$222.1MAssets
$195.6MLoans
$198.6MShares
$22.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 88% of credit unions under $1B in assets (rank 195 of 1681).
- Widest gap: net interest margin trails 78% of credit unions under $1B in assets (rank 1314 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.14%
Rank 462 of 1,683
Net Interest Margin
3.24%
Rank 1,314 of 1,683
Efficiency Ratio
68.10%
Rank 399 of 1,682
Equity / Assets
10.26%
Rank 1,293 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.35% | 0.74% | 1.18% | Beats 73% | 462 / 1,683 | | |
| Return on Equity | 11.13% | 2.67% | 5.89% | 8.74% | Beats 88% | 195 / 1,681 | | |
| Net Interest Margin | 3.24% | 3.31% | 3.82% | 4.32% | Beats 22% | 1,314 / 1,683 | | |
| Efficiency Ratio | 68.10% | 68.91% | 78.20% | 86.93% | Beats 76% | 399 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.26% | 0.65% | 1.29% | Beats 72% | 464 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.26% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,293 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.26% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,293 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 98.50% | 52.61% | 69.38% | 83.50% | 96th pctl | 69 / 1,683 | | |
| Loans / Assets | 88.07% | 44.71% | 59.18% | 70.72% | 99th pctl | 15 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |