Federal credit union · Akron, Ohio · NCUA charter #96672
Buckeye State
Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $148.5M
- Total assets
- 16,098
- Members
- 5.2%
- Net-worth ratio
Buckeye State - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #96672: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Buckeye State - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)43
- Asset quality (delinquency)83
- Earnings (ROA)89
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 5.16% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.16% | 30% |
| Delinquency Rate | 0.93% | 25% |
| Return on Assets | 0.39% | 15% |
| Member Growth | -17.11% | 15% |
| Loan-to-Share Ratio | 77.13% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $148.5M | 16,098 |
| 2024Q4 | $144.2M | 19,420 |
| 2023Q4 | $142.2M | 19,872 |
Credit Union Details
- Charter Number
- 96672
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Akron
- Data Quarter
- 2025Q4
What This Data Says About Buckeye State
Charter #96672, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Buckeye State, a federal credit union in Akron, Ohio with 16,098 members, $148.5M in total assets, and $99.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 62/100 (Good), helped by a net worth ratio of 5.16% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.93% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers - and a 77.13% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.39% on net income of $581K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -17.11%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Buckeye State financially healthy?
A 5.16% net worth ratio and a 0.93% delinquency rate feed into Buckeye State's financial health score of 62/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Buckeye State compare to other credit unions?
62/100 is Buckeye State's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Buckeye State?
Membership eligibility for Buckeye State depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Buckeye State directly for current membership requirements and application steps.
Is my money safe at Buckeye State?
Federal credit unions like Buckeye State are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Buckeye State's net worth ratio of 5.16% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Buckeye State offer compared to banks?
Credit unions like Buckeye State are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Buckeye State directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.