Credit union · NCUA insured
BRADFORD AREA SCHOOL EMPLOYEES
A $1.1M credit union headquartered in Bradford, PA, with 263 members and 1 branch in Pennsylvania. Best rates: savings 0.25% APY.
BRADFORD AREA SCHOOL EMPLOYEES Carrot Score
65
Carrot Score
Higher than 13% of U.S. banks and credit unions
#7 of 7 in Bradford, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About BRADFORD AREA SCHOOL EMPLOYEES
Bradford Area School Employees Federal Credit Union is a member-owned, not-for-profit financial cooperative based in Bradford, Pennsylvania.
The credit union serves employees of the Bradford and Otto-Eldred School Districts.
- Headquarters
- 125 Main St Rm 206, Bradford, PA 16701
- NCUA charter
- 24857
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is open to employees of the Bradford and Otto-Eldred School Districts.
Branches
1 branch in Pennsylvania
Loading map…
Pennsylvania
1 branch
- OfficeMain office125 Main St Rm 206, Bradford, PA 16701Directions
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 | 22.87% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.12% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.80% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $116 | $59 | — |
- CapitalNet worth ratio22.87%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.12%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.80%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$116Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 BRADFORD AREA SCHOOL EMPLOYEES are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.