BUCKEYE STATE

Charter #96672 | OH

100M-500M (1077 CUs) Micro
58 100M-500M in OH

BUCKEYE STATE has 5 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.5% in tier
  • + Relationship Depth Leader: Top 15.5% in tier
  • + Emerging Performer: Top 33.1% in tier
  • + Net Interest Margin 1.08% above tier average
  • + AMR Growth Rate: Top 1.0% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 0.6% in tier
  • - Stagnation Risk: Bottom 19.0% in tier
  • - Efficiency Drag: Bottom 26.9% in tier
  • - ROA 0.47% below tier average
  • - Efficiency ratio 5.91% above tier (higher cost structure)
  • - Delinquency rate 0.14% above tier average
  • - Member decline: -16.4% YoY
  • - Member Growth Rate: Bottom 1.3% in tier
  • - Net Charge-Off Rate: Bottom 3.8% in tier
  • - Average Member Relationship (AMR): Bottom 6.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 16,307
-16.4% YoY-1.7% QoQ
 +678 15,628
-3.4% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 62nd in tier
Assets $148.1M
+3.4% YoY-0.4% QoQ
 $-83.2M $231.3M
-0.0% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 30th in tier
Loans $100.5M
+4.2% YoY+1.1% QoQ
 $-47.3M $147.8M
-1.4% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 35th in tier
Deposits $127.6M
+5.6% YoY-0.4% QoQ
 $-72.7M $200.3M
-0.0% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 29th in tier
ROA 0.3%
-43.0% YoY+33.9% QoQ
 -0.5% 0.8%
+15.5% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 Bottom 19.2% in tier
NIM 4.7%
+0.9% YoY+1.2% QoQ
 +1.1% 3.6%
+6.9% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 Top 6.3% in tier
Efficiency Ratio 83.2%
+2.9% YoY-1.8% QoQ
 +5.9% 77.3%
-3.0% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 72nd in tier
Delinquency Rate 1.0%
-51.3% YoY-3.4% QoQ
 +0.1 0.9%
+7.6% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 70th in tier
Loan To Share 78.8%
-1.3% YoY+1.6% QoQ
 +6.1% 72.7%
-1.5% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 60th in tier
AMR $13,983
+25.6% YoY+1.9% QoQ
 $-10K $24,363
+2.9% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 Bottom 6.4% in tier
CD Concentration 9.8%
+46.2% YoY+6.9% QoQ
 -14.6% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 2.1%
-47.3% YoY-15.1% QoQ
 -11.9% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#14 of 1006 • Top 0.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 25.58%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#428 of 1006 • Top 15.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 25.58%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Emerging Performer

growth
#622 of 627 • Top 33.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.31%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -16.42%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (3)

Membership Headwinds

decline
#11 of 550 • Bottom 0.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -16.42%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk
#313 of 550 • Bottom 19.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.31%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -16.42%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $14.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 9.77%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk
#475 of 521 • Bottom 26.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.19%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.24% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -16.42%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

12
AMR Growth Rate
growth
Value: 25.58%
Peer Avg: 3.64%
#12 of 1077 Top 1.0% in 100M-500M tier
68
Net Interest Margin (NIM)
profitability
Value: 4.66%
Peer Avg: 3.58%
#68 of 1077 Top 6.2% in 100M-500M tier
111
Share Certificate Concentration (%)
balance_sheet
Value: 9.77%
Peer Avg: 23.61%
#111 of 1077 Top 10.2% in 100M-500M tier
214
Fee Income Per Member
profitability
Value: $228.19
Peer Avg: $174.31
#214 of 1077 Top 19.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1064
Member Growth Rate
growth
Value: -16.42%
Peer Avg: 0.72%
#1064 of 1077 Bottom 1.3% in 100M-500M tier
1037
Net Charge-Off Rate
risk
Value: 1.48%
Peer Avg: 0.47%
#1037 of 1077 Bottom 3.8% in 100M-500M tier
1008
Average Member Relationship (AMR)
engagement
Value: $13,983
Peer Avg: $24,363
#1008 of 1077 Bottom 6.5% in 100M-500M tier
918
Loan-to-Member Ratio (LMR)
engagement
Value: $6,161
Peer Avg: $10,245
#918 of 1077 Bottom 14.9% in 100M-500M tier
870
Return on Assets (ROA)
profitability
Value: 0.31%
Peer Avg: 0.79%
#870 of 1077 Bottom 19.3% in 100M-500M tier
825
Members Per Employee (MPE)
engagement
Value: 263.016
Peer Avg: 332.881
#825 of 1077 Bottom 23.5% in 100M-500M tier