BlastPoint's Credit Union Scorecard

ONPATH

Charter #14692 · LA

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

ONPATH has 11 strengths but faces 8 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

+ Wallet Share Momentum: Top 23.8% in tier
+ Organic Growth Leader: Top 43.3% in tier
+ Organic Growth Engine: Top 52.0% in tier
+ Emerging Performer: Top 69.7% in tier
+ Net Interest Margin 0.89% above tier average
+ Fee Income Per Member: Top 3.3% in tier
+ Share Certificate Concentration (%): Top 4.6% in tier
+ Loan Growth Rate: Top 5.3% in tier
+ Asset Growth Rate: Top 7.6% in tier
+ AMR Growth Rate: Top 7.9% in tier
+ Deposit Growth Rate: Top 8.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 10.4% in tier
- Liquidity Strain: Bottom 11.5% in tier
- Credit Quality Pressure: Bottom 47.6% in tier
- Cost Spiral: Bottom 75.0% in tier
- ROA 0.10% below tier average
- Efficiency ratio 3.05% above tier (higher cost structure)
- Delinquency rate 0.58% above tier average
- Net Charge-Off Rate: Bottom 4.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	89,202 +4.4% YoY+2.1% QoQ	-8.2K	97,431 -2.4% YoY	9,309 +1.0% YoY	33,374 +5.7% YoY	53%
Assets	$1.2B +12.8% YoY+3.5% QoQ	$-551.3M	$1.7B +0.9% YoY	$122.7M +4.8% YoY	$561.6M +9.7% YoY	18%
Loans	$936.3M +17.2% YoY+3.0% QoQ	$-298.1M	$1.2B +0.5% YoY	$87.2M +3.5% YoY	$397.0M +8.8% YoY	31%
Deposits	$946.5M +13.5% YoY+3.3% QoQ	$-512.8M	$1.5B +0.9% YoY	$104.9M +5.6% YoY	$477.3M +9.7% YoY	Bottom 11.3% 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% -45.1% YoY-7.2% QoQ	-0.1%	0.7% +20.9% YoY	0.3% +12.6% YoY	0.7% +15.9% YoY	43%
NIM	4.2% +16.5% YoY-3.0% QoQ	+0.9%	3.3% +9.2% YoY	4.2% +2.9% YoY	3.8% +5.1% YoY	Top 7.3% in tier
Efficiency Ratio	77.1% +14.6% YoY+0.2% QoQ	+3.1%	74.1% -9.5% YoY	85.6% -13.2% YoY	79.7% -3.3% YoY	61%
Delinquency Rate	1.5% +11.3% YoY-15.5% QoQ	+0.6	0.9% +6.2% YoY	1.9% -8.2% YoY	1.3% -2.1% YoY	Top 13.2% in tier
Loan To Share	98.9% +3.3% YoY-0.3% QoQ	+14.1%	84.8% -0.8% YoY	71.2% -2.0% YoY	67.4% -1.7% YoY	Top 14.9% in tier
AMR	$21,107 +10.4% YoY+1.0% QoQ	$-8K	$29,428 +2.4% YoY	$13,375 +3.1% YoY	$19,687 +2.0% YoY	Bottom 9.9% in tier
CD Concentration	13.3% -28.3% YoY-5.5% QoQ	-15.7%	29.0%	15.2%	19.8%	Bottom 4.3% in tier
Indirect Auto %	10.8% +7.4% YoY+3.5% QoQ	-7.5%	18.3%	5.0%	7.8%	38%

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth

#30 of 123 • Top 23.8% in tier

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

Why This Signature

AMR Growth (YoY): 10.43%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | Rank improving

Organic Growth Leader

growth

#62 of 142 • Top 43.3% in tier

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

Why This Signature

Member Growth (YoY): 4.45%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Indirect Auto %: 10.83%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Organic Growth Engine

growth

#129 of 247 • Top 52.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.45%

(Tier: 3.43%, National: 4.32%)

better than tier avg

Return on Assets: 0.58%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 10.83%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Emerging Performer

growth

#54 of 77 • Top 69.7% 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: 0.58%

(Tier: 0.69%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 4.45%

(Tier: 3.43%, National: 4.32%)

better than tier avg

77 of 378 Mid-Market CUs have this signature | 282 nationally

→ No prior data (77 CUs now) | New qualifier

Concerns (4)

Credit Risk Growth

risk

#18 of 164 • Bottom 10.4% in tier

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

Why This Signature

Loan Growth (YoY): 17.23%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | New qualifier

Liquidity Strain

risk

#20 of 166 • Bottom 11.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.92%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 17.23%

(Tier: 6.38%, National: 111.96%)

but better than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank improving

Credit Quality Pressure

risk

#101 of 211 • Bottom 47.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank worsening

Cost Spiral

risk

#7 of 9 • Bottom 75.0% 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: 9.81% points

(Tier: -6.71% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 55.85%

(Tier: 51.94%, National: 63.66%)

worse than tier avg

9 of 378 Mid-Market CUs have this signature | 58 nationally

↓ Shrinking -6 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 302 peers in tier

Top Strengths (9 metrics)

Fee Income Per Member

profitability

Value: $366.49

Peer Median: -

#11 of 302 Top 3.3% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 13.30%

Peer Median: -

#15 of 302 Top 4.6% in 1B-3B tier

Loan Growth Rate

growth

Value: 17.23%

Peer Median: -

#17 of 302 Top 5.3% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.17%

Peer Median: -

#22 of 302 Top 7.0% in 1B-3B tier

Asset Growth Rate

growth

Value: 12.78%

Peer Median: -

#24 of 302 Top 7.6% in 1B-3B tier

AMR Growth Rate

growth

Value: 10.43%

Peer Median: -

#25 of 302 Top 7.9% in 1B-3B tier

Deposit Growth Rate

growth

Value: 13.53%

Peer Median: -

#26 of 302 Top 8.3% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 98.92%

Peer Median: -

#45 of 302 Top 14.6% in 1B-3B tier

Member Growth Rate

growth

Value: 4.45%

Peer Median: -

#75 of 302 Top 24.5% in 1B-3B tier

Top Weaknesses (6 metrics)

289

Net Charge-Off Rate

risk

Value: 1.44%

Peer Median: -

#289 of 302 Bottom 4.6% in 1B-3B tier

272

Average Member Relationship (AMR)

engagement

Value: $21,107

Peer Median: -

#272 of 302 Bottom 10.3% in 1B-3B tier

268

Total Deposits

balance_sheet

Value: $946.54M

Peer Median: -

#268 of 302 Bottom 11.6% in 1B-3B tier

263

Total Delinquency Rate (60+ days)

risk

Value: 1.48%

Peer Median: -

#263 of 302 Bottom 13.2% in 1B-3B tier

246

Total Assets

balance_sheet

Value: $1.17B

Peer Median: -

#246 of 302 Bottom 18.9% in 1B-3B tier

241

Loan-to-Member Ratio (LMR)

engagement

Value: $10,496

Peer Median: -

#241 of 302 Bottom 20.5% in 1B-3B tier