Federal credit union · COLUMBUS, Ohio · NCUA charter #13432
State Highway Patrol
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $90.4M
- Total assets
- 6,557
- Members
- 13.3%
- Net-worth ratio
State Highway Patrol scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $90.4M; members 6,557; net-worth ratio 13.25%; health rank #1,240 of 4,374; healthier than 69th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,240 of 4,374 health · 2025Q4State Highway Patrol · health 89/100 · $90.4M · 2025Q4
- DELQ 89/100
- ROA 13.3%
- ASSETS 0.14%
- MEM 0.52%
- RANK $90.4M
- PHOTO 6,557
- BOOK #1,240/4,374
- CHARTER PEOPLES
- NCUSIF 13432
Call Report peers
State Highway Patrol in the assets neighbourhood
State Highway Patrol's $90.4M assets sit next to PEOPLES ($90.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
State Highway Patrol vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
State Highway Patrol - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #13432, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
State Highway Patrol vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.82 pp (0.14% vs 0.96%).
- Largest lag: Loan-to-Share Ratio at 53.29% vs peer 62.60% (-9.31 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where State Highway Patrol sits in Ohio
- In Ohio, health place is #52 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, State Highway Patrol is #82 of 196 in Ohio.
- Membership ranks #84 of 196 among Ohio CUs with a reported count (6,557 members).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
State Highway Patrol Call Report trajectory
State Highway Patrol: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $90.4M (2025Q4) to $92.0M (2026Q1).
- Net-worth ratio shifted +0.06 pp (13.19% → 13.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.25% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 11.4 pts
State Highway Patrol health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.25% | -0.37 pp |
| Delinquency Rate | 0.14% | -0.82 pp |
| Return on Assets | 0.52% | -0.14 pp |
| Member Growth | -0.79% | - |
| Loan-to-Share Ratio | 53.29% | -9.31 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - State Highway Patrol
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $92.0M | - |
| 2025Q4 | $90.4M | 6,557 |
| 2024Q4 | $83.0M | 6,609 |
| 2023Q4 | $82.6M | 6,586 |
Credit Union Details
- Charter Number
- 13432
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- COLUMBUS
- Data Quarter
- 2025Q4
Branch Locations (3)
State Highway Patrol operates 3 offices in Columbus, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Headquarters (Main Office) | Columbus, OH |
| Academy | Columbus, OH |
| Vital Records | Columbus, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Cross-state Call Report peers for State Highway Patrol
State Highway Patrol's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($90.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- State Highway Patrol ranks #1,240 of 4,374 nationally on financial health and #52 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community First
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is State Highway Patrol financially healthy?
State Highway Patrol has a financial health score of 89/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,240 of 4,374; by total assets it ranks #1,917 of 4,374 nationally (same basis as /rankings/largest); and #82 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.25% and delinquency rate of 0.14%.
How does State Highway Patrol compare to other credit unions?
Five weighted metrics from NCUA filings produce State Highway Patrol's 89/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 State Highway Patrol?
State Highway Patrol carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact State Highway Patrol directly to confirm current membership steps.
Is my money safe at State Highway Patrol?
Federal credit unions like State Highway Patrol 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. State Highway Patrol's net worth ratio of 13.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does State Highway Patrol offer compared to banks?
Credit unions like State Highway Patrol 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 State Highway Patrol directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.