ASSOCIATED SCHOOL EMPLOYEES
Charter #68587 · Youngstown, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.14% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.28% sits at the 18th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.13% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.85% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ASSOCIATED SCHOOL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $220.20M | 57th pct | 62th pct |
| Members | 15,478 | 61th pct | 61th pct |
| Net worth ratio | 10.06% | 28th pct | 34th pct |
| Return on average assets | 1.14% | 77th pct | 80th pct |
| Net interest margin | 3.28% | 28th pct | 18th pct |
| Cost of funds | 1.47% | 65th pct | 64th pct |
| Loan-to-share | 96.17% | 97th pct | 95th pct |
| Delinquency 60+ days | 0.39% | 30th pct | 43th pct |
| Net charge-off ratio | 0.13% | 23th pct | 13th pct |
| Loan growth YoY | 5.84% | 90th pct | 93th pct |
| Share growth YoY | 5.52% | 76th pct | 67th pct |
| Efficiency ratio | 66.85% | 19th pct | 15th pct |
structural peer set hash: 2e7788c5cc8e94933514e4f8e42c4680… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.