BlastPoint's Credit Union Scorecard

ONPATH

Charter #14692 · LA

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

ONPATH has 8 strengths but faces 4 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 1.9% in tier
+ Organic Growth Leader: Top 2.7% in tier
+ Organic Growth Engine: Top 2.7% in tier
+ Emerging Performer: Top 50.1% in tier
+ Net Interest Margin 0.52% above tier average
+ Strong member growth: 17.0% YoY
+ Loan Growth Rate: Top 0.7% in tier
+ Asset Growth Rate: Top 1.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 18.1% in tier
- Efficiency ratio 3.95% above tier (higher cost structure)
- Delinquency rate 0.49% above tier average
- Net Charge-Off Rate: Bottom 5.7% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 4 that size in Louisiana.
Shares and deposits +39.5% year over year ($1.23B in shares and deposits).
Membership: 98,888 members, +17.0% vs a year ago.
Delinquency rate 1.35%.
Return on assets 0.79%.
Efficiency ratio 76.97% vs a 73.02% peer average.
Loan-to-share ratio 99.47% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	98,888 +17.0% YoY+7.5% QoQ	+2.0K	96,861 -1.9% YoY	9,550 +2.7% YoY	34,678 +6.6% YoY	61%
Assets	$1.5B +36.6% YoY+16.6% QoQ	$-250.5M	$1.7B +0.4% YoY	$130.2M +7.1% YoY	$593.1M +10.2% YoY	45%
Loans	$1.2B +43.1% YoY+22.5% QoQ	$-9.0M	$1.2B +0.7% YoY	$92.6M +7.3% YoY	$418.6M +10.1% YoY	60%
Deposits	$1.2B +39.5% YoY+19.8% QoQ	$-231.5M	$1.5B +0.5% YoY	$111.6M +7.6% YoY	$504.8M +10.3% YoY	44%

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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	0.8% +1.5% YoY-7.8% QoQ	+0.0%	0.8% +27.6% YoY	1.1% +258.0% YoY	1.2% +121.4% YoY	52%
NIM	3.9% -7.4% YoY-1.5% QoQ	+0.5%	3.4% +6.6% YoY	4.2% -0.2% YoY	3.8% +2.3% YoY	84%
Efficiency Ratio	77.0% +1.7% YoY+7.2% QoQ	+4.0%	73.0% -2.7% YoY	89.3% +0.7% YoY	83.0% -5.3% YoY	66%
Delinquency Rate	1.3% -27.5% YoY-5.2% QoQ	+0.5	0.9% +7.3% YoY	2.0% +21.9% YoY	1.3% +2.6% YoY	83%
Loan To Share	99.5% +2.6% YoY+2.3% QoQ	+14.8%	84.7% +0.1% YoY	68.1% -2.7% YoY	66.4% -1.4% YoY	84%
AMR	$24,847 +20.8% YoY+12.7% QoQ	$-5K	$29,575 +1.5% YoY	$13,536 +2.7% YoY	$20,028 -0.9% YoY	29%
CD Concentration	16.8% +6.9% YoY+34.8% QoQ	-12.3%	29.1%	15.1%	20.0%	Bottom 8.0% in tier
Indirect Auto %	12.3% +21.8% YoY-2.3% QoQ	-5.8%	18.1%	5.1%	7.7%	43%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#3 of 112 • Top 2.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 16.96%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 12.25%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | New qualifier

Wallet Share Momentum

growth

#7 of 125 • Top 1.9% in tier

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

Why This Signature

AMR Growth (YoY): 20.79%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | Rank improving

Emerging Performer

growth

#18 of 82 • Top 50.1% 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: 0.79%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 16.96%

(Tier: 3.16%, National: 15.67%)

better than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | New qualifier

Organic Growth Engine

growth

#37 of 113 • Top 2.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 16.96%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.79%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 12.25%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | New qualifier

Concerns (1)

Liquidity Strain

risk

#25 of 168 • Bottom 18.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 99.47%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 43.08%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

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 300 peers in tier

Top Strengths (9 metrics)

Loan Growth Rate

growth

Value: 43.08%

Peer Median: 5.71%

#3 of 300 Top 0.7% in 1B-3B tier

Asset Growth Rate

growth

Value: 36.61%

Peer Median: 5.21%

#4 of 300 Top 1.0% in 1B-3B tier

Deposit Growth Rate

growth

Value: 39.51%

Peer Median: 4.79%

#4 of 300 Top 1.0% in 1B-3B tier

Member Growth Rate

growth

Value: 16.96%

Peer Median: 1.84%

#6 of 300 Top 1.7% in 1B-3B tier

AMR Growth Rate

growth

Value: 20.79%

Peer Median: 3.19%

#6 of 300 Top 1.7% in 1B-3B tier

Fee Income Per Member

profitability

Value: $371.88

Peer Median: $204.73

#13 of 300 Top 4.0% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 16.77%

Peer Median: 28.24%

#27 of 300 Top 8.7% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 99.47%

Peer Median: 87.07%

#47 of 300 Top 15.3% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.95%

Peer Median: 3.46%

#49 of 300 Top 16.0% in 1B-3B tier

Top Weaknesses (3 metrics)

284

Net Charge-Off Rate

risk

Value: 1.27%

Peer Median: 0.52%

#284 of 300 Bottom 5.7% in 1B-3B tier

249

Total Delinquency Rate (60+ days)

risk

Value: 1.35%

Peer Median: 0.70%

#249 of 300 Bottom 17.3% in 1B-3B tier

234

First Mortgage Concentration (%)

balance_sheet

Value: 43.75%

Peer Median: 33.59%

#234 of 300 Bottom 22.3% in 1B-3B tier