# BUCKEYE STATE
Akron, OH · NCUA charter 96672 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/buckeye-state-96672

Who the members are: state charter, low-income designated. 15,900 members of 2,856,488 potential (0.6% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $148.8M |
| Members | 15,900 (-4.1% YoY) |
| Full-time staff | 56 |
| Net worth | $16.9M |
| Net worth ratio | 11.4% (p45 of band) |
| ROA (annualized) | 0.49% (p36 of band) |
| Total delinquency | 0.64% (p52 of band) |
| Net charge-offs (annualized) | 0.75% (p82 of band) |
| Loans / shares | 77% (p65 of band) |
| Cash / assets | 9.7% |
| Borrowings / assets | 0.67% |
| Net interest margin | 4.66% (p90 of band) |
| Operating expense / assets | 6.04% (p97 of band) |
| Vehicles % of loans | 31% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 5% |
| Third-party paper % of net worth | 9% (p41 of band) |
| Vehicle delinquency | 0.73% (p58 of band) |
| Vehicle NCO | 1.76% (p88 of band) |
| Repossessed % of vehicle book | 0.13% (p82 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 14% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 10% |
| Average share balance | $3,940 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $12,878 |
| Loans granted, annualized | $33.9M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 8 | thin capital, capital below 7%, losing money, expense trap, leaning on borrowings, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 7 |  | leaning on borrowings |
| 2016-09 | 7 |  |  |
| 2016-12 | 8 | net worth falling |  |
| 2017-03 | 7 | delinquency rising, assets shrinking | losing money, auto monoline, net worth falling |
| 2017-06 | 6 | loan book shrinking | capital below 7% |
| 2017-09 | 7 | charge-offs p90, members leaving | delinquency rising |
| 2017-12 | 7 |  |  |
| 2018-03 | 5 |  | loan book shrinking, charge-offs p90 |
| 2018-06 | 4 |  | assets shrinking |
| 2018-09 | 3 |  | thin capital |
| 2018-12 | 2 |  | members leaving |
| 2019-03 | 4 | charge-offs p90, members leaving |  |
| 2019-06 | 5 | delinquency rising |  |
| 2019-09 | 3 |  | 3rd-party paper>100% NW, delinquency rising |
| 2019-12 | 5 | delinquency 2x band, delinquency rising |  |
| 2020-03 | 3 |  | charge-offs p90, members leaving |
| 2020-06 | 3 | net worth falling | delinquency rising |
| 2020-09 | 3 | charge-offs p90 | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | net worth falling, margin squeeze |  |
| 2021-06 | 3 |  | net worth falling, margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 6 | net worth falling, margin squeeze, members leaving |  |
| 2024-06 | 5 |  | net worth falling |
| 2024-09 | 3 |  | margin squeeze, members leaving |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | net worth falling, members leaving | delinquency 2x band |
| 2025-06 | 5 | repo signal |  |
| 2025-09 | 3 |  | net worth falling, repo signal |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | charge-offs p90 |

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

- 2026-02-25 [Shaker council votes to buy back Buckeye Credit Union property - Cleveland.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxOWkRVRWRpYkF2NVRvSjhoSE1yVDgtWnZmak8yWTVuOGZUYWFUalowMDk4S2NWWExIa0J3eDJnSWoyM3lsRFFwaklaejFfODhXM2pVYTYyYlpnb3FsSm50dHBOaW1GUkRNanJGVG42TTI1R200c3pMWGxqQ0JqenBPVDBfdGtmaUU1UVNzNnlfeUh6QmZmLVFibklaMTMyV0hxR1FETHVnc3RtOExUTk1DMmp3RFhFUnFJcHRubw?oc=5) · Cleveland.com
- 2026-05-27 [A credit union’s offer to buy an Ohio bank is causing major controversy - Crain's Cleveland](https://news.google.com/rss/articles/CBMilwFBVV95cUxQdDRiMTZ6cmxvR1lvX2J3RWp5NXNYc3lpSkJvYkwxcmhiV1hpZHJXdHBPMlZYQWhBalJIeE1ibnM5TF9raUpBa2l3TnhFdnhlOEpoUG11QnlQSjFWbURGajBfdVo1TWtLLW5WX3kyUHdvUDNDYjltWlFoVlVjM1JPZnZUSVhGUmdhek5Sal9rbHo1cTBjSUM4?oc=5) · Crain's Cleveland
- 2026-04-28 [Canton-area credit unions make case for continued federal funding - Canton Repository](https://news.google.com/rss/articles/CBMivAFBVV95cUxOaXBwc1dSQXNJMmhmOGtKUEp5c0JSU2tnckdZYXRZdndoVThpX01wYlhuVThvVGVuZS1YOFpCM0xDUHppMFQwQ1o0bURvbnU1SC1saTJPN1BiZk5ucDQ5eFN6clBzLW9VNDVhZ2haaWlSZEFIUlRwdmE3VVF4empFcVBvUlZJamZ2NHV4MTlWZmdDS2Q1WUQ1NTAxSURzNmc5QjI4bVAxYnFHbXFwVHJjNlVLTWhPdjFHVjFsRw?oc=5) · Canton Repository
- 2019-12-23 [Alliance City Parks receive $10,000 from Buckeye State Credit Union - Alliance Review](https://news.google.com/rss/articles/CBMilgFBVV95cUxOc2gtUThEY3RaUElWb0g5Sl9FYjhnczlRTFNrRVVtN2pGZkMyazVNSW5IcXl5aFpISnBId0hJak83V2FaNW4wcHZJaGtzUC1BR2tOYnJlU3hmblFjRFZMOEgtLXF5dTlORXp5bENOQlBHY1hEOEpUbkxzOTNYb3dYSEFzVXFLRThqUTQtU0R0bkJnTlpPV3c?oc=5) · Alliance Review
- 2013-08-28 [Homeless man accused of robbing Akron credit union - Cleveland 19 News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOUzItR0JSeVpydDUxd3M5Y29YN3FpZi1XenlDYW9mRnFoNnBnQmR4Nmd4Y3llcmlhYk1ZOVpwWENudFZJaEVxalQ3RzEteVl1MmFaVUJBaVp6V01DSkZ3SGNQemdOX1FxQlUxY3FqcFVxRHB4NF9hRE1hZWJOVmVDZHFwOHBxS1c0WGp5bUZkWVB4eXc2dnZ5Yy1B0gGsAUFVX3lxTE1PTDk4MngyX2Y0Wk5xbmVaMXhseUxMQlpPRmM0b3RwUmlCZm9pNDdKYkdidGt1UU5LakZFNFdicERWY1dyWC14aFg4eTBsNzlRMG9LWS1Ud1dDLWVpTndRVURyeFJnc2RZYWhsWWJVLWlaVlVYNVpzY0lFOWhrV2NHSTV3TUQxb3J6ZENRZDNESng4azR6X2VTa0FJZ1RsUlhTTTZEV1o3UVQxRFc?oc=5) · Cleveland 19 News
- 2026-02-25 [Rosella M. Schrum Obituary - Mentor, OH (1946-2026) - News-Herald](https://news.google.com/rss/articles/CBMihAFBVV95cUxNYkh2LXJTR3A4MlV4cGhDVkwzVkI3aVBMRmlNOWdSQ2hmalZmbEZJMVFGX0IxS1cxTVJXb1lrdlpVUURNZ0t3MzcwRVo4YkM3MHhNM1hpd0c1a0UtTDRVT0xxOXBPTzhvTTdDcU5USVVOVm9vY2F2cTU2UHJGSDF0N1BRVnc?oc=5) · News-Herald
- 2023-01-19 [Terrence Davis Obituary - Akron, OH - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxPNGVzUV9PZUF6QWtlcFBCLVFTdEdTdWwwRGRwYXoyNkhsV0gyNG9EWFVTYTNMLXg4Sm5SQUh4TF9sbDg4dWltSlpMdVV4bVhrRjNnRUhPc3lRcDJpYTM4VHItMW16Y3NHTVpuelNpZW5VSjJvZk9OcmJ5WU9xekxpYg?oc=5) · Dignity Memorial
- 2013-05-06 [Gordon Conrad joins M1 as office supervisor - Sentinel-Standard](https://news.google.com/rss/articles/CBMirgFBVV95cUxQQXFGenN5amNfS044R0tTanlFNFY3TW9iSVZTbFVzZkd6YTJSQXBHZWRKSUt2T0dMVGxONDNTdi1yVTBYWEg2VDR5RThpZFpjNjJSYnpSaGxpaU14NjYwZzBmZXBabm9La3NMZVNDTURwV1BlSlRSbUxVZS01amE4eFVydVBLZlRLTEgwUGF5dnBLQzJ3Sk4ydFJURzQ1RElaYkJaVkpKcUpCYUltcFE?oc=5) · Sentinel-Standard

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=96672 (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/32.json (key "96672", 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=96672
- 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