THE WAY
Charter #66066 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
THE WAY has 1 strength but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Member Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Loan Growth Rate: Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.0% in tier
- - Net Charge-Off Rate: Bottom 0.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.0% in tier
- - First Mortgage Concentration (%): Bottom 0.0% in tier
- - Loan-to-Share Ratio: Bottom 0.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.5% in tier
- - Total Loans: Bottom 0.5% in tier
- - Net Interest Margin (NIM): Bottom 5.3% in tier
- - Net Worth Ratio: Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
751
+4.5% YoY+5.3% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 21.4% in tier |
| Assets |
$14.9M
+4.8% YoY+2.4% QoQ
|
$-14.9M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
41st in tier |
| Loans | $0.0 | $-15.8M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.0% in tier |
| Deposits |
$13.6M
+5.0% YoY+2.4% QoQ
|
$-11.9M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
43rd in tier |
| ROA |
0.5%
+17.9% YoY+37.2% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
38th in tier |
| NIM |
2.3%
+4.4% YoY+2.3% QoQ
|
-1.7% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.2% in tier |
| Efficiency Ratio |
76.4%
-3.5% YoY-7.2% QoQ
|
-5.0% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
45th in tier |
| Delinquency Rate | - | - |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
- |
| Loan To Share | 0.0% | -61.2% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.0% in tier |
| AMR |
$18,069
+0.5% YoY-2.7% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
72nd in tier |
| CD Concentration |
10.8%
+116.0% YoY+78.7% QoQ
|
-13.6% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | - | - |
14.0%
-5.8% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
- |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (2 metrics)
201
Member Growth Rate
growth
Value:
4.45%
Peer Avg: 14.92%
#201 of 2596
Top 7.7% in <100M tier
616
Deposit Growth Rate
growth
Value:
5.02%
Peer Avg: 16.80%
#616 of 2596
Top 23.7% in <100M tier
Top Weaknesses (12 metrics)
2596
Loan Growth Rate
growth
Value:
-
Peer Avg: 59.01%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Total Delinquency Rate (60+ days)
risk
Value:
-
Peer Avg: 1.51%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Net Charge-Off Rate
risk
Value:
-
Peer Avg: 0.57%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
Indirect Auto Concentration (%)
balance_sheet
Value:
-
Peer Avg: 2.84%
#2596 of 2596
Bottom 0.0% in <100M tier
2596
First Mortgage Concentration (%)
balance_sheet
Value:
-
Peer Avg: 14.49%
#2596 of 2596
Bottom 0.0% in <100M tier
2584
Loan-to-Share Ratio
balance_sheet
Value:
0.00%
Peer Avg: 61.23%
#2584 of 2596
Bottom 0.5% in <100M tier
2584
Loan-to-Member Ratio (LMR)
engagement
Value:
$0.00
Peer Avg: $5,488
#2584 of 2596
Bottom 0.5% in <100M tier
2584
Total Loans
balance_sheet
Value:
$0.00
Peer Avg: $15.77M
#2584 of 2596
Bottom 0.5% in <100M tier
2460
Net Interest Margin (NIM)
profitability
Value:
2.28%
Peer Avg: 3.93%
#2460 of 2596
Bottom 5.3% in <100M tier
2355
Net Worth Ratio
risk
Value:
8.96%
Peer Avg: 16.43%
#2355 of 2596
Bottom 9.3% in <100M tier