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Associated School Employees Credit Union

Overview
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Associated School Employees Credit Union is a federally insured state credit union based in Youngstown, Ohio. It has been opened since 1958, for 62 years.

With around $133,200,000 in assets, Associated School Employees Credit Union is considered to be a large credit union. It has 5 branches and 6 ATM locations.

About
Address 1690 S. Canfiled Niles Road
Youngstown, Ohio 44515
Website http://asecu.com
Phone (330) 792-4000
Fax (330) 792-4909
CEO Michael J. Kurish
President of the Board Charles Stevens
Services Offered
Map
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Score Card
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62 years
Years in business
Opened in 1958
Well Capitalized
Net worth classification
Source: NCUA
13,911 members
Membership type: State chartered natural person credit union
Above average number of members
464:1
Credit union member to staff ratio
464 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$133,199,757
Total assets
Above average
5 branches
Compared with an average of 4 nationally and 3 in Ohio
Above average number of branches
0.05%
Savings interest rate
Compared to 0.3% nationally
10.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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5 branches
Compared with an average of 4 nationally and 3 in Ohio
Above average number of branches
Associated School Employees Credit Union Branch Locations

Associated School Employees Credit Union
1690 S. Canfield Niles Road
Youngstown, Ohio 44515
ATM Available
Associated School Employees Credit Union
85 Marwood Circle
Youngstown, Ohio 44512
ATM Available
Associated School Employees Credit Union
25 S. Canal Street
Newton Falls, Ohio 44444
ATM Available
Associated School Employees Credit Union
1 University Plz
Youngstown, Ohio 44555
No ATM
Associated School Employees Credit Union
2255 Salt Springs Road
Warren, Ohio 44481
ATM Available
Members
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13,911 members
Membership type: State chartered natural person credit union
Above average number of members

With 13,911 members, the Associated School Employees Credit Union is considered to be a large credit union. It is larger than 76% of credit unions.

Fees
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$54
Average fee per member
The average fee per member at the Associated School Employees Credit Union is $54, which is comparable to most credit unions. This rate is lower than 45% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Associated School Employees Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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464:1
Credit union member to staff ratio
464 per each FTE employee
Compared to 411:1 nationally
Fewer staff
30 staff members
FTE (full-time equivalent)
12% of employees are part-time
28 full-time, 4 part-time

Associated School Employees Credit Union has 28 full-time staff members and 4 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 88% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Associated School Employees Credit Union has around 464 members per staff, a higher ratio compared to other credit unions.

Assets
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$133,199,757
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.5%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$12,665
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 68% of credit unions.

Associated School Employees Credit Union holds a total of $96,920,000 in loans and leases, which is about $12,665 per member on average.

Savings interest rate
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0.05%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Associated School Employees Credit Union pays 0.05%.

Loan rates
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10.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
12.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.75%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.50%
New car loan rate
Compared to 4.0% nationally
3.50%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.62%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
4.50%
Other real estate loan rates
Compared to 0.9% nationally