ONPATH

Charter #14692 | LA

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in LA

ONPATH has 11 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 3.3% in tier
  • + Emerging Performer: Top 14.0% in tier
  • + Relationship Depth Leader: Top 15.8% in tier
  • + Organic Growth Leader: Top 18.4% in tier
  • + Organic Growth Engine: Top 21.4% 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

  • - Growth-at-Risk: 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
 49th in tier
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
 28th in tier
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
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
 46th in tier
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
 61st in tier
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
 Top 16.4% in tier
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%
+0.8% 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%
-2.8% YoY
 5.3%
+10.6% YoY
 7.9%
-2.9% YoY
 36th in tier

Signature Analysis

Strengths (5)

Wallet Share Momentum

growth
#25 of 264 • Top 3.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 10.51%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Emerging Performer

growth
#75 of 184 • Top 14.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

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
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#115 of 264 • Top 15.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 10.51%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.1K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Organic Growth Leader

growth
#73 of 138 • Top 18.4% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.17%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 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: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (4)

Growth-at-Risk

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: 86.35%, 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 now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

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): -
(Tier: -, National: -)
Total Assets: $1.13B
(Tier: $1.72B, National: $547.69M)
worse 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)

Comparing against 304 peers in tier

Top Strengths (8 metrics)

13
Fee Income Per Member
profitability
Value: $360.07
Peer Avg: $210.52
#13 of 304 Top 3.9% in 1B-3B tier
17
Net Interest Margin (NIM)
profitability
Value: 4.30%
Peer Avg: 3.26%
#17 of 304 Top 5.3% in 1B-3B tier
20
Share Certificate Concentration (%)
balance_sheet
Value: 14.07%
Peer Avg: 28.53%
#20 of 304 Top 6.2% in 1B-3B tier
22
Deposit Growth Rate
growth
Value: 13.20%
Peer Avg: 5.58%
#22 of 304 Top 6.9% in 1B-3B tier
22
AMR Growth Rate
growth
Value: 10.51%
Peer Avg: 3.29%
#22 of 304 Top 6.9% in 1B-3B tier
23
Loan Growth Rate
growth
Value: 14.86%
Peer Avg: 5.27%
#23 of 304 Top 7.2% in 1B-3B tier
35
Asset Growth Rate
growth
Value: 10.60%
Peer Avg: 4.83%
#35 of 304 Top 11.2% in 1B-3B tier
50
Loan-to-Share Ratio
balance_sheet
Value: 99.18%
Peer Avg: 85.19%
#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: 0.60%
#302 of 304 Bottom 1.0% in 1B-3B tier
286
Total Delinquency Rate (60+ days)
risk
Value: 1.75%
Peer Avg: 0.83%
#286 of 304 Bottom 6.2% in 1B-3B tier
276
Total Deposits
balance_sheet
Value: $916.68M
Peer Avg: $1.45B
#276 of 304 Bottom 9.5% in 1B-3B tier
273
Average Member Relationship (AMR)
engagement
Value: $20,902
Peer Avg: $29,172
#273 of 304 Bottom 10.5% in 1B-3B tier
259
Total Assets
balance_sheet
Value: $1.13B
Peer Avg: $1.72B
#259 of 304 Bottom 15.1% in 1B-3B tier
238
Loan-to-Member Ratio (LMR)
engagement
Value: $10,408
Peer Avg: $13,213
#238 of 304 Bottom 22.0% in 1B-3B tier