# STATE HIGHWAY PATROL
COLUMBUS, OH · NCUA charter 13432 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/state-highway-patrol-13432

Who the members are: federal charter, government (single sponsor), organized 1960. 6,597 members of 10,000 potential (66.0% of the field); checking penetration 29% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $92.0M |
| Members | 6,597 (-0.4% YoY) |
| Full-time staff | 11 |
| Net worth | $12.2M |
| Net worth ratio | 13.3% (p55 of band) |
| ROA (annualized) | 1.18% (p74 of band) |
| Total delinquency | 0.07% (p9 of band) |
| Net charge-offs (annualized) | 0.18% (p42 of band) |
| Loans / shares | 53% (p36 of band) |
| Cash / assets | 29.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.94% (p16 of band) |
| Operating expense / assets | 2.25% (p10 of band) |
| Vehicles % of loans | 62% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.01% (p11 of band) |
| Vehicle NCO | 0.07% (p41 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 26% |
| Certificates % of member funds | 33% |
| Average share balance | $7,463 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 41% |
| Average loan balance | $13,996 |
| Loans granted, annualized | $23.2M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency 2x band, delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 1 | net worth falling | delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | members leaving | net worth falling |
| 2020-12 | 0 |  | members leaving |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | net worth falling | delinquency rising |
| 2023-06 | 0 |  | net worth falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | auto monoline | delinquency rising |
| 2024-09 | 0 |  | auto monoline |
| 2024-12 | 1 | auto monoline |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | delinquency rising | net worth falling |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-28 [WTAP holds second annual employment expo at the Grand Central Mall - WTAP](https://news.google.com/rss/articles/CBMilwFBVV95cUxPU3hTc1ZDWHZLTXJybGQ4bko4OXplNm1lNVR0bk5lNm5NdjF5TGFtaHNNV19Hcm4ydVh2b3A3ZGo2RHl5YUlHWTJTN3JoOHJHMjNuUE85X2FzNkd5Z3dzU1psTDNUcERodTMyNDhXWWRIQUtCNThkM2E4U3F4WjlRQU9HdVEycHFfN3hBWEFOQVZNeU1IbndJ0gGrAUFVX3lxTE5ickgyeXYzZ2VxY2NpR3Q3aDk2ek1KcmhnT0RBT053bVRqMGRfNkNFclZ5Rm93Ulh0QU9LYnE2M0xCSHN4STZqVHRXWEEwV2kxbmlYcTlPYzl0aTAyekZaVWdLZkdYZDdpYVhGNm54R0xKM2FSbXRpY1c5MTNXTl9WZnpYYThidm9ic3VMWE14MUFvc2Q0V0U1R0d1clB0WVFVOFY4WWlIUklNcw?oc=5) · WTAP
- 2026-08-20 [OSHP reminds drivers to slow down as kids head back to school - hometownstations.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxNTXEwZG5UeGZmTUtOUVN3VWRLZXR1WVpXQk5qMWlkTzVwcEJ1VmlyalFYRnRPZTJERVF1amItclZUQmp0eXBNT0pNMlM0eE5YZzhxcl8xMjYwanZjelBBVm5rTjQ1WFM2UUVtdjdsWGxOXzN2YTJHcHpHbU5PRGE4VFRZNFBqMXA4U0Z1S1ZYc2tzWXIwc2hISWtGQ1RUMzY4ekZFNks3Z25NaEVHamUwTEZ4eUNDTV9wLVlQR0MyTzdpWFVYOWpWUk1US0dqZzh4d0Y0amZRSmxqamZJellhc3AtUDVRcVNNLWJUblJpY1FPQQ?oc=5) · hometownstations.com
- 2026-07-23 [Ivy Glover shares why our Stuff the Bus drive matters at Wright-Patt Credit Union - WKEF](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQT1BnNjgwWGNoMzY1b3Rpb0ljbEFITEhtb29DRGdVczdwSVZjNmwwUTZpWmt1eW9COXlxd2VxbTF6Nk5UeUZXWTVweTNtekxZMFIzYUM1N3YtYVdpMGY4RVFseTRQckpGcXc0YkpyWTZrWlIwQnNnWXlRYXdhcUNhbzZfUGV6bEFfWGRISHpYdkNWWjhzVFNWUFFrd2RxRXNOZGVkZ0c3OEdrT3pURDdwejIzeFdVck9E?oc=5) · WKEF
- 2026-05-29 [Two bank robberies under investigation by Springfield, Clark County law enforcement - springfieldnewssun.com](https://news.google.com/rss/articles/CBMiggJBVV95cUxQb0ExSUJORHBYVDhOLVFyNVBsS09yV01pbmRLUjZ5TTJueXljUkhKRkNlZnBXZ1RMLUlJRndfcUUxSGZQY0VTRExXalFCRW1BSWFSZjdlREMzeDRsd083aHY3NVg3VzNWZlIwY1dMREpSbzBDSVEtdGJOd0hIaXlzSENRckctRHFzdGZJaWpYMVBQNUpoT0ZidF9zaWJ5VUhicmVLMkV2MVc3b1U5OUEzZFZiOXVUQ3BqUk9ET2dPYXBfUGwwQXNibHZJZDZCd1VTTXBnb0tMdTVhUEV5SWhhVzE1QjFsYTRNV081TnBfSXFqakJqbl92WDFqSENXWFN5VkE?oc=5) · springfieldnewssun.com
- 2026-06-04 [Florida man arrested for alleged identity fraud prior to cross-state pursuit; second suspect still at-large - WTOL](https://news.google.com/rss/articles/CBMi8gFBVV95cUxNc2dFSGhVdHRtZF9hMGtJek5MOEsyc2hnUXFYdG9HVnhFN280ZDNhRjJyLUtPdzFhLTUtZXYyZXdWRGtNSUMwYmtQakFGX1RVc0ZHMXZ5bFpqVkNidzE0dFd1aWdmeUV6dDBTNUhjdU1xNmx0MjIyVVN1UTNxQVB5bXg0eDZWUjZmbkQ1TWNmOXFWVGRRQ0k1QVFmU3VNM0tob3l4RTc5M28wMENpRWtOYndycGsxdEZFVlNmU01Oclpxbm1GLV83b1cycFNsR25hMkF2RUNMRURCaWNnMjIxclI4a1Z3bVNNY3d6aGF3LVdoQQ?oc=5) · WTOL
- 2026-06-28 [One person dead after crash on I-75 Saturday night - Miami Valley Today](https://news.google.com/rss/articles/CBMihwFBVV95cUxOUWhPN3R5ZTN0YlVGSHd2dl9Oc1BCeEctZjhUSEN2UGk3R0t4dURqNkpOZ1lXWTA3SktpNk1JeUxNYlFzbk9PaHBKOExnQUZqbTc4b29WRTVIWFFOcktuM24wX0Y3VGIzZ1dQbkVULWpZTWJhYmhDS0FoSVFHZkVyaVBmWEVpZGc?oc=5) · Miami Valley Today
- 2025-11-29 [Donna Mae Metzger Obituary Nov 29, 2025 - Barkdull Funeral Home & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTE45SExEb0NqTW1GcWIyVGo0bWRLUklfdGVkc25DOG1KZUh4VDA1ejUwVlpNZ3o3SlJsYlNzZ3lMX1N3S2NwVFoxZmpfb2F0R0R1S3pab0pfRzVXLUJ1cWZJdFZBYUlzZDlLb0djOQ?oc=5) · Barkdull Funeral Home & Crematory
- 2023-08-04 [Top of the List: Fastest-growing Central Ohio credit unions - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNbVZFanVUUU12bnlES0lrMGNfQmI4dWN3UkQyczZFS1lVOGIwZkJTbGpYR2FIYWNNOXhWSVRUS3M0TFgwc2FyTzN2cS12VnZYNW1ncHVfM1N3U2twWUt5WjJuNy1QcG54SGVUdzhTLVh1UkY1RHY5M0R0UXVTc3ZZM0w3UTFqZTNmS1BSQUlQcTlwTlQtbXFZTUh3SS13eVZpd1JYdlFB?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13432 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/56.json (key "13432", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=13432
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide