Federal credit union · COLUMBUS, Ohio · NCUA charter #13432
State Highway Patrol
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $90.4M
- Total assets
- 6,557
- Members
- 13.2%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth51
- Liquidity (loan-to-share)75
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.19% | 30% |
| Delinquency Rate | 0.14% | 25% |
| Return on Assets | 0.52% | 15% |
| Member Growth | -0.79% | 15% |
| Loan-to-Share Ratio | 53.29% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About State Highway Patrol
Charter #13432, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's State Highway Patrol, a federal credit union in COLUMBUS, Ohio with 6,557 members, $90.4M in total assets, and $41.8M in outstanding loans as of Q4 2025. The five-factor composite scores it 89/100 (Excellent), helped by a net worth ratio of 13.19% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 53.29% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.14% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets stands at 0.52% on net income of $470K 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 -0.79%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Low Income); 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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.19% 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 13.19% 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.
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.