BlastPoint's Credit Union Scorecard

BUCKEYE STATE

Charter #96672 · OH

1077 CUs in 100M-500M nationally 58 in OH

BUCKEYE STATE has 3 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 2.7% 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	62%
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	30%
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	35%
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	29%

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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	0.3% -43.0% YoY+33.9% QoQ	-0.5%	0.8% +15.5% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	19%
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	72%
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	70%
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	60%
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	50%
Indirect Auto %	2.1% -47.3% YoY-15.1% QoQ	-11.9%	14.0% -5.7% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#14 of 481 • Top 2.7% in tier

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

Why This Signature

AMR Growth (YoY): 25.58%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -16.42%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 4.18%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 1.00%

(Tier: 0.85%, National: 1.23%)

worse 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

AMR Growth Rate

growth

Value: 25.58%

Peer Avg: -

#12 of 1077 Top 1.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.66%

Peer Avg: -

#68 of 1077 Top 6.2% in 100M-500M tier

111

Share Certificate Concentration (%)

balance_sheet

Value: 9.77%

Peer Avg: -

#111 of 1077 Top 10.2% in 100M-500M tier

214

Fee Income Per Member

profitability

Value: $228.19

Peer Avg: -

#214 of 1077 Top 19.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1064

Member Growth Rate

growth

Value: -16.42%

Peer Avg: -

#1064 of 1077 Bottom 1.3% in 100M-500M tier

1037

Net Charge-Off Rate

risk

Value: 1.48%

Peer Avg: -

#1037 of 1077 Bottom 3.8% in 100M-500M tier

1008

Average Member Relationship (AMR)

engagement

Value: $13,983

Peer Avg: -

#1008 of 1077 Bottom 6.5% in 100M-500M tier

918

Loan-to-Member Ratio (LMR)

engagement

Value: $6,161

Peer Avg: -

#918 of 1077 Bottom 14.9% in 100M-500M tier

870

Return on Assets (ROA)

profitability

Value: 0.31%

Peer Avg: -

#870 of 1077 Bottom 19.3% in 100M-500M tier

825

Members Per Employee (MPE)

engagement

Value: 263.016

Peer Avg: -

#825 of 1077 Bottom 23.5% in 100M-500M tier