Credit union · Privately insured
BSE Credit Union
A $17.7M credit union headquartered in Cleveland, OH, with 2,258 members and 1 branch in Ohio. Best rates: CDs 0.02% and savings 0.01% APY.
BSE Credit Union Carrot Score
62
Carrot Score
Higher than 6% of U.S. banks and credit unions
#53 of 60 in Cleveland, OH metroHow the score works →
Deposits are privately insured, not by the federal government.
About BSE Credit Union
BSE Credit Union is based in Middleburg Heights, Ohio, and was incorporated in May 1955 by 13 employees of the Berea City Schools.
The member-owned cooperative serves individuals who live, work, worship, or attend school in Berea, Middleburg Heights, Brook Park, Olmsted Falls, or Olmsted Township.
- Headquarters
- 19249 Bagley Rd, Cleveland, OH 44130-3315
- NCUA charter
- 97078
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, attend church, or attend school in Berea, Middleburg Heights, Olmsted Falls, Olmsted Township, or Brook Park are eligible to join.
Family and household
- Immediate family members of eligible persons can join.
Cost to join
- Must deposit and maintain a minimum balance of $5.00 in a Savings Account.
Branches
1 branch in Ohio
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Ohio
1 branch
- BSE Credit Union Inc.Main office19249 Bagley Rd, Cleveland, OH 44130Directions
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 | 9.93% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.07% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.49% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $35 | $59 | — |
- CapitalNet worth ratio9.93%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.07%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.49%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$35Peers’ 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 BSE Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.