PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Associated School Employees

Youngstown, OH · Charter 68587

NCUA · 4 branches

Q2 2026

$222.1MAssets
$195.6MLoans
$198.6MShares
$22.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.14%, up 13 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.30% of loans (+1 bps YoY).
  • Capital: net worth / assets of 10.26%, up 35 bps from a year ago.
  • Funding: loans stand at 98.50% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+16 bps YoY

Efficiency Ratio (YTD, annualized)

68.11%-310 bps YoY

Net Worth / Assets

10.26%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%0.96%1.07%1.12%1.14%+13 bps
Return on Equity10.25%9.67%10.54%11.16%11.13%+88 bps
Net Interest Margin3.08%3.11%3.17%3.22%3.24%+16 bps
Efficiency Ratio71.21%69.15%66.99%66.85%68.11%-310 bps
Growth
Asset Growth (YoY)9.62%11.47%10.18%10.17%8.43%-118 bps
Loan Growth (YoY)42.26%44.06%32.43%21.75%12.99%-2,927 bps
Share Growth (YoY)9.66%12.16%10.40%10.00%8.12%-154 bps
Asset Quality
Delinquent Loans / Loans0.29%0.20%0.24%0.39%0.30%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.92%9.97%10.16%10.06%10.26%+35 bps
Net Worth / Assets9.92%9.97%10.16%10.06%10.26%+35 bps
Liquidity & Funding
Loans / Shares94.25%95.88%95.69%96.17%98.50%+425 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps