BlastPoint's Credit Union Scorecard

BUCKEYE STATE

Charter #96672 · OH

1069 CUs in 100M-500M nationally 58 in OH

BUCKEYE STATE has 4 strengths but faces 10 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 2.2% in tier
+ Net Interest Margin 1.10% above tier average
+ AMR Growth Rate: Top 0.8% in tier
+ Share Certificate Concentration (%): Top 9.4% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 2.0% in tier
- Stagnation Risk: Bottom 23.5% in tier
- Efficiency Drag: Bottom 65.4% in tier
- ROA 0.39% below tier average
- Efficiency ratio 6.68% above tier (higher cost structure)
- Delinquency rate 0.04% above tier average
- Member decline: -17.1% YoY
- Member Growth Rate: Bottom 1.0% in tier
- Net Charge-Off Rate: Bottom 5.1% in tier
- Average Member Relationship (AMR): Bottom 7.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	16,098 -17.1% YoY-1.3% QoQ	+660	15,437 -2.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	62%
Assets	$148.5M +3.0% YoY+0.3% QoQ	$-83.3M	$231.9M +1.3% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	30%
Loans	$99.4M +3.5% YoY-1.1% QoQ	$-48.0M	$147.3M -0.1% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	35%
Deposits	$128.8M +5.3% YoY+1.0% QoQ	$-72.0M	$200.8M +0.8% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	30%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -7.7% YoY+19.3% QoQ	-0.4%	0.8% +18.2% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	23%
NIM	4.7% +2.1% YoY+0.9% QoQ	+1.1%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	Top 6.2% in tier
Efficiency Ratio	83.7% +4.3% YoY+0.6% QoQ	+6.7%	77.0% -3.1% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	74%
Delinquency Rate	0.9% -50.9% YoY-6.8% QoQ	+0.0	0.9% +4.2% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	65%
Loan To Share	77.1% -1.7% YoY-2.1% QoQ	+4.9%	72.2% -1.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	56%
AMR	$14,177 +26.1% YoY+1.4% QoQ	$-10K	$24,676 +3.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	Bottom 7.1% in tier
CD Concentration	9.4% +25.5% YoY-3.7% QoQ	-15.0%	24.4%	19.4%	19.8%	50%
Indirect Auto %	1.8% -49.1% YoY-14.7% QoQ	-12.0%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#12 of 513 • Top 2.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 26.10%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline

#12 of 554 • Bottom 2.0% in tier

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

Why This Signature

Member Growth (YoY): -17.11%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#131 of 554 • Bottom 23.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -17.11%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.51%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.93%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#352 of 538 • Bottom 65.4% in tier

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

Why This Signature

Efficiency Ratio: 83.70%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.03% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -17.11%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

AMR Growth Rate

growth

Value: 26.10%

Peer Median: -

#10 of 1069 Top 0.8% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.70%

Peer Median: -

#66 of 1069 Top 6.1% in 100M-500M tier

101

Share Certificate Concentration (%)

balance_sheet

Value: 9.41%

Peer Median: -

#101 of 1069 Top 9.4% in 100M-500M tier

199

Fee Income Per Member

profitability

Value: $231.77

Peer Median: -

#199 of 1069 Top 18.5% in 100M-500M tier

Top Weaknesses (5 metrics)

1059

Member Growth Rate

growth

Value: -17.11%

Peer Median: -

#1059 of 1069 Bottom 1.0% in 100M-500M tier

1016

Net Charge-Off Rate

risk

Value: 1.48%

Peer Median: -

#1016 of 1069 Bottom 5.1% in 100M-500M tier

993

Average Member Relationship (AMR)

engagement

Value: $14,177

Peer Median: -

#993 of 1069 Bottom 7.2% in 100M-500M tier

917

Loan-to-Member Ratio (LMR)

engagement

Value: $6,174

Peer Median: -

#917 of 1069 Bottom 14.3% in 100M-500M tier

823

Return on Assets (ROA)

profitability

Value: 0.37%

Peer Median: -

#823 of 1069 Bottom 23.1% in 100M-500M tier