BlastPoint's Credit Union Scorecard
STATE HIGHWAY PATROL
Charter #13432 · OH
STATE HIGHWAY PATROL demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 3.4% in tier
- + Total Assets: Top 3.8% in tier
- + Total Members: Top 7.0% in tier
- + Members Per Employee (MPE): Top 7.5% in tier
- + Total Loans: Top 9.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,557
-0.8% YoY-1.9% QoQ
|
+3.9K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 7.0% in tier |
| Assets |
$90.4M
+8.9% YoY+1.3% QoQ
|
+$60.3M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 3.9% in tier |
| Loans |
$41.8M
+2.1% YoY+0.6% QoQ
|
+$26.0M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 9.2% in tier |
| Deposits |
$78.4M
+8.6% YoY+0.9% QoQ
|
+$52.8M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 3.4% in tier |
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| ROA |
0.7%
+25.2% YoY+12.4% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
2.7%
+1.0% YoY+1.1% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.5% in tier |
| Efficiency Ratio |
75.5%
-2.3% YoY-0.3% QoQ
|
-7.1% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
0.1%
-38.7% YoY+25.5% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
53.3%
-5.9% YoY-0.4% QoQ
|
-7.3% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$18,338
+7.1% YoY+2.7% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
33.4%
-2.3% YoY-1.5% QoQ
|
+9.0% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)