Credit union · NCUA insured
Associated School Employees CU
A $220.2M credit union headquartered in Youngstown, OH, with 15,478 members and 4 branches in Ohio. Best rates: CDs 3.95% and savings 0.05% APY.
Associated School Employees CU Carrot Score
79
Carrot Score
Higher than 49% of U.S. banks and credit unions
#6 of 13 in Youngstown, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Associated School Employees CU
- Headquarters
- 1690 S Canfield Niles Rd, Youngstown, OH 44515-4055
- NCUA charter
- 68587
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who lives, works, worships or attends school in Mahoning, Trumbull and Columbiana counties.
Family and household
- Membership is available to family members of members.
Cost to join
- You can join with a minimum deposit of $5 into a savings account, which is returned if you decide to close your account.
Branches
4 branches in Ohio
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Ohio
4 branches
- Associated School Employees Credit UnionMain office1690 S Canfield Niles Rd, Youngstown, OH 44515Directions
- Associated School Employees Credit Union25 S Canal St, Newton Falls, OH 44444Directions
- Associated School Employees Credit Union2255 Salt Springs Rd, Warren, OH 44481Directions
- Associated School Employees Credit Union85 Marwood Cir, Youngstown, OH 44512Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.26% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.30% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.17% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $99 | $76 | — |
- CapitalNet worth ratio10.26%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.30%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.17%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$99Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Associated School Employees CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.