ASSOCIATED SCHOOL EMPLOYEES
Charter #68587 | OH
100M-500M
(1077 CUs)
Micro
($0-$500M)
58 100M-500M in OH
ASSOCIATED SCHOOL EMPLOYEES has 12 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 1.5% in tier
- + Emerging Performer: Top 4.2% in tier
- + Organic Growth Engine: Top 9.9% in tier
- + Relationship Depth Leader: Top 11.9% in tier
- + ROA 0.18% above tier average
- + Strong member growth: 8.9% YoY
- + Loan Growth Rate: Top 0.9% in tier
- + AMR Growth Rate: Top 3.0% in tier
- + Member Growth Rate: Top 4.2% in tier
- + Loan-to-Share Ratio: Top 6.7% in tier
- + Deposit Growth Rate: Top 6.8% in tier
- + Asset Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.9% in tier
- - Liquidity Strain: Bottom 5.9% in tier
- - Indirect Auto Concentration (%): Bottom 0.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,275
+8.9% YoY+1.3% QoQ
|
-353 |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
58th in tier |
| Assets |
$208.5M
+11.5% YoY+1.8% QoQ
|
$-22.8M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
53rd in tier |
| Loans |
$179.3M
+44.1% YoY+3.6% QoQ
|
+$31.5M |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
70th in tier |
| Deposits |
$187.0M
+12.2% YoY+1.8% QoQ
|
$-13.3M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
56th in tier |
| ROA |
1.0%
+33.8% YoY-5.5% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
64th in tier |
| NIM |
3.1%
+15.7% YoY+0.7% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 24.8% in tier |
| Efficiency Ratio |
69.2%
-9.2% YoY-2.9% QoQ
|
-8.1% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 24.0% in tier |
| Delinquency Rate |
0.2%
-39.4% YoY-29.0% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 11.3% in tier |
| Loan To Share |
95.9%
+28.4% YoY+1.7% QoQ
|
+23.2% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 6.8% in tier |
| AMR |
$23,980
+15.5% YoY+1.4% QoQ
|
$-383 |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
60th in tier |
| CD Concentration |
29.8%
+17.9% YoY+6.6% QoQ
|
+5.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
75.4%
+26.3% YoY+3.5% QoQ
|
+61.5% |
14.0%
-5.8% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growth
#42 of 1006 • Top 1.5% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
15.48%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Emerging Performer
growth
#80 of 627 • Top 4.2% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.97%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
8.94%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Organic Growth Engine
growth
#183 of 603 • Top 9.9% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
8.94%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.97%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
75.42%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#329 of 1006 • Top 11.9% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
15.48%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.0K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Concerns (2)
Indirect Auto Dependency
risk
#16 of 525 • Bottom 0.9% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
11.47%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
75.42%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
8.94%
(Tier:
0.88%, National:
9.37%)
525 of 1077 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank improving
Liquidity Strain
risk
#47 of 258 • Bottom 5.9% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
95.88%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
44.06%
(Tier:
3.64%, National:
36.38%)
258 of 1077 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
New qualifier
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (9 metrics)
11
Loan Growth Rate
growth
Value:
44.06%
Peer Avg: 3.45%
#11 of 1077
Top 0.9% in 100M-500M tier
33
AMR Growth Rate
growth
Value:
15.48%
Peer Avg: 3.64%
#33 of 1077
Top 3.0% in 100M-500M tier
46
Member Growth Rate
growth
Value:
8.94%
Peer Avg: 0.72%
#46 of 1077
Top 4.2% in 100M-500M tier
73
Loan-to-Share Ratio
balance_sheet
Value:
95.88%
Peer Avg: 72.70%
#73 of 1077
Top 6.7% in 100M-500M tier
74
Deposit Growth Rate
growth
Value:
12.16%
Peer Avg: 4.69%
#74 of 1077
Top 6.8% in 100M-500M tier
78
Asset Growth Rate
growth
Value:
11.47%
Peer Avg: 4.70%
#78 of 1077
Top 7.1% in 100M-500M tier
123
Total Delinquency Rate (60+ days)
risk
Value:
0.20%
Peer Avg: 0.86%
#123 of 1077
Top 11.3% in 100M-500M tier
141
Members Per Employee (MPE)
engagement
Value:
436.429
Peer Avg: 332.881
#141 of 1077
Top 13.0% in 100M-500M tier
259
Efficiency Ratio
profitability
Value:
69.15%
Peer Avg: 77.28%
#259 of 1077
Top 24.0% in 100M-500M tier
Top Weaknesses (3 metrics)
1071
Indirect Auto Concentration (%)
balance_sheet
Value:
75.42%
Peer Avg: 13.34%
#1071 of 1077
Bottom 0.6% in 100M-500M tier
890
Fee Income Per Member
profitability
Value:
$104.98
Peer Avg: $174.31
#890 of 1077
Bottom 17.5% in 100M-500M tier
810
Net Interest Margin (NIM)
profitability
Value:
3.14%
Peer Avg: 3.58%
#810 of 1077
Bottom 24.9% in 100M-500M tier