BUCKEYE STATE
Charter #96672 · Akron, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.67% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.05% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.76% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 88.60% sits at the 80th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BUCKEYE STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $148.79M | 30th pct | 30th pct |
| Members | 15,900 | 62th pct | 69th pct |
| Net worth ratio | 11.36% | 48th pct | 57th pct |
| Return on average assets | 0.49% | 35th pct | 31th pct |
| Net interest margin | 4.67% | 93th pct | 93th pct |
| Cost of funds | 0.05% | 4th pct | 3th pct |
| Loan-to-share | 77.38% | 61th pct | 56th pct |
| Delinquency 60+ days | 0.64% | 53th pct | 49th pct |
| Net charge-off ratio | 0.76% | 82th pct | 87th pct |
| Loan growth YoY | -0.08% | 47th pct | 44th pct |
| Share growth YoY | 1.70% | 24th pct | 26th pct |
| Efficiency ratio | 88.60% | 81th pct | 80th pct |
structural peer set hash: 361d875d6ab19bcad014638931cb34e3… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.