BlastPoint's Credit Union Scorecard

ONPATH

Charter #14692 · LA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 4 in LA

View Mid-Market leaderboard →

ONPATH has 10 strengths but faces 10 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 18.4% in tier
+ Wallet Share Momentum: Top 20.9% in tier
+ Organic Growth Engine: Top 21.4% in tier
+ Emerging Performer: Top 80.3% in tier
+ Net Interest Margin 1.03% above tier average
+ Fee Income Per Member: Top 3.9% in tier
+ Share Certificate Concentration (%): Top 6.2% in tier
+ Deposit Growth Rate: Top 6.9% in tier
+ AMR Growth Rate: Top 6.9% in tier
+ Loan Growth Rate: Top 7.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 0.4% in tier
- Credit Quality Pressure: Bottom 2.1% in tier
- Liquidity Strain: Bottom 4.8% in tier
- Cost Spiral: Bottom 5.4% in tier
- ROA 0.08% below tier average
- Efficiency ratio 2.99% above tier (higher cost structure)
- Delinquency rate 0.92% above tier average
- Net Charge-Off Rate: Bottom 1.0% in tier
- Total Delinquency Rate (60+ days): Bottom 6.2% in tier
- Total Deposits: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	87,350 +3.2% YoY+3.3% QoQ	-11.3K	98,678 -1.9% YoY	9,352 +2.6% YoY	33,089 +6.1% YoY	49%
Assets	$1.1B +10.6% YoY+5.0% QoQ	$-586.7M	$1.7B +0.5% YoY	$121.4M +4.9% YoY	$547.7M +7.8% YoY	Bottom 14.8% in tier
Loans	$909.1M +14.9% YoY+6.2% QoQ	$-323.9M	$1.2B +0.5% YoY	$86.9M +5.1% YoY	$388.7M +8.6% YoY	28%
Deposits	$916.7M +13.2% YoY+3.8% QoQ	$-537.6M	$1.5B +1.3% YoY	$103.9M +6.5% YoY	$464.6M +9.3% YoY	Bottom 9.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -67.9% YoY-19.8% QoQ	-0.1%	0.7% +13.4% YoY	0.5% +1.1% YoY	0.7% +273.4% YoY	46%
NIM	4.3% +29.3% YoY+0.8% QoQ	+1.0%	3.3% +9.3% YoY	4.3% +3.2% YoY	3.7% +5.0% YoY	Top 5.6% in tier
Efficiency Ratio	77.0% +32.9% YoY+1.6% QoQ	+3.0%	74.0% -10.9% YoY	82.9% -3.6% YoY	79.1% -3.3% YoY	61%
Delinquency Rate	1.7% +49.4% YoY-5.8% QoQ	+0.9	0.8% +6.1% YoY	1.8% -12.2% YoY	1.2% -0.9% YoY	Top 6.2% in tier
Loan To Share	99.2% +1.5% YoY+2.3% QoQ	+14.0%	85.2% -0.8% YoY	70.9% -2.6% YoY	68.0% -1.7% YoY	84%
AMR	$20,902 +10.5% YoY+1.6% QoQ	$-8K	$29,172 +2.8% YoY	$13,297 +2.9% YoY	$19,418 +1.3% YoY	Bottom 10.2% in tier
CD Concentration	14.1% -29.0% YoY-10.3% QoQ	-14.9%	29.0% +0.7% YoY	15.0% +9.1% YoY	19.6% +6.2% YoY	Bottom 5.8% in tier
Indirect Auto %	10.5% +2.8% YoY+4.0% QoQ	-8.3%	18.8% -3.0% YoY	5.3% +10.6% YoY	7.9% -2.9% YoY	37%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#73 of 138 • Top 18.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.17%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 10.46%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | New qualifier

Wallet Share Momentum

growth

#25 of 116 • Top 20.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.51%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Organic Growth Engine

growth

#156 of 246 • Top 21.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.17%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.63%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 10.46%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Emerging Performer

growth

#58 of 72 • Top 80.3% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.63%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 3.17%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

72 of 380 Mid-Market CUs have this signature | 288 nationally

↑ Growing +13 CUs YoY | Rank worsening

Concerns (4)

Credit Risk Growth

risk

#3 of 161 • Bottom 0.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 14.86%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.58% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY

Credit Quality Pressure

risk

#17 of 217 • Bottom 2.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.58% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Liquidity Strain

risk

#26 of 183 • Bottom 4.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 99.18%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 14.86%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

Cost Spiral

risk

#4 of 14 • Bottom 5.4% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 19.04% points

(Tier: -7.46% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 48.48%

(Tier: 51.53%, National: 63.68%)

but better than tier avg

14 of 380 Mid-Market CUs have this signature | 80 nationally

→ Stable (16→14 CUs) -2 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 304 peers in tier

Top Strengths (8 metrics)

Fee Income Per Member

profitability

Value: $360.07

Peer Avg: -

#13 of 304 Top 3.9% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.30%

Peer Avg: -

#17 of 304 Top 5.3% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 14.07%

Peer Avg: -

#20 of 304 Top 6.2% in 1B-3B tier

Deposit Growth Rate

growth

Value: 13.20%

Peer Avg: -

#22 of 304 Top 6.9% in 1B-3B tier

AMR Growth Rate

growth

Value: 10.51%

Peer Avg: -

#22 of 304 Top 6.9% in 1B-3B tier

Loan Growth Rate

growth

Value: 14.86%

Peer Avg: -

#23 of 304 Top 7.2% in 1B-3B tier

Asset Growth Rate

growth

Value: 10.60%

Peer Avg: -

#35 of 304 Top 11.2% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 99.18%

Peer Avg: -

#50 of 304 Top 16.1% in 1B-3B tier

Top Weaknesses (6 metrics)

302

Net Charge-Off Rate

risk

Value: 1.97%

Peer Avg: -

#302 of 304 Bottom 1.0% in 1B-3B tier

286

Total Delinquency Rate (60+ days)

risk

Value: 1.75%

Peer Avg: -

#286 of 304 Bottom 6.2% in 1B-3B tier

276

Total Deposits

balance_sheet

Value: $916.68M

Peer Avg: -

#276 of 304 Bottom 9.5% in 1B-3B tier

273

Average Member Relationship (AMR)

engagement

Value: $20,902

Peer Avg: -

#273 of 304 Bottom 10.5% in 1B-3B tier

259

Total Assets

balance_sheet

Value: $1.13B

Peer Avg: -

#259 of 304 Bottom 15.1% in 1B-3B tier

238

Loan-to-Member Ratio (LMR)

engagement

Value: $10,408

Peer Avg: -

#238 of 304 Bottom 22.0% in 1B-3B tier