BlastPoint's Credit Union Scorecard
ONPATH
Charter #14692 · LA
ONPATH has 8 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does LA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 7.1% in tier
- + Organic Growth Leader: Top 9.2% in tier
- + Organic Growth Engine: Top 9.2% in tier
- + Emerging Performer: Top 34.5% in tier
- + ROA 0.14% above tier average
- + Net Interest Margin 0.65% above tier average
- + Strong member growth: 8.8% YoY
- + Loan Growth Rate: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 17.5% in tier
- - Margin Compression: Bottom 34.5% in tier
- - Delinquency rate 0.66% above tier average
- - Net Charge-Off Rate: Bottom 4.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
92,011
+8.8% YoY+3.1% QoQ
|
-4.0K |
96,048
-2.7% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
56% |
| Assets |
$1.3B
+15.2% YoY+7.8% QoQ
|
$-456.1M |
$1.7B
+0.4% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
27% |
| Loans |
$999.9M
+26.6% YoY+6.8% QoQ
|
$-213.8M |
$1.2B
+0.2% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
38% |
| Deposits |
$1.0B
+15.8% YoY+8.7% QoQ
|
$-437.1M |
$1.5B
+0.5% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
0.9%
-14.6% YoY+48.0% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
67% |
| NIM |
4.0%
-7.0% YoY-3.9% QoQ
|
+0.7% |
3.4%
+6.2% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 11.8% in tier |
| Efficiency Ratio |
71.8%
-0.1% YoY-6.9% QoQ
|
-2.8% |
74.6%
-3.0% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
37% |
| Delinquency Rate |
1.4%
-5.9% YoY-4.0% QoQ
|
+0.7 |
0.8%
+6.9% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.8% in tier |
| Loan To Share |
97.2%
+9.3% YoY-1.7% QoQ
|
+14.0% |
83.2%
-0.4% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Top 15.0% in tier |
| AMR |
$22,045
+11.2% YoY+4.4% QoQ
|
$-8K |
$29,652
+2.3% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Bottom 13.4% in tier |
| CD Concentration |
12.4%
-26.3% YoY-6.4% QoQ
|
-16.4% | 28.8% | 14.9% | 19.8% | Bottom 3.9% in tier |
| Indirect Auto % |
12.5%
+20.4% YoY+15.8% QoQ
|
-5.5% | 18.1% | 5.1% | 7.7% | 43% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)