PATHWAYS FINANCIAL

Charter #66376 | OH

750M-1B (112 CUs) Community (281 CUs)
5 750M-1B in OH

PATHWAYS FINANCIAL has 10 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 1.8% in tier
  • + Organic Growth Engine: Top 8.0% in tier
  • + Wallet Share Momentum: Top 14.7% in tier
  • + Relationship Depth Leader: Top 20.2% in tier
  • + ROA 0.01% above tier average
  • + Strong member growth: 12.4% YoY
  • + Asset Growth Rate: Top 0.0% in tier
  • + Member Growth Rate: Top 1.8% in tier
  • + Loan Growth Rate: Top 1.8% in tier
  • + Deposit Growth Rate: Top 1.8% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 2.7% in tier
  • - Credit Quality Pressure: Bottom 11.8% in tier
  • - Efficiency ratio 0.00% above tier (higher cost structure)
  • - Delinquency rate 0.19% above tier average
  • - Total Assets: Bottom 3.6% in tier
  • - Total Deposits: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 54,844
+12.4% YoY-3.3% QoQ
 +2.7K 52,114
-2.1% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 56th in tier
Assets $758.5M
+20.5% YoY+0.6% QoQ
 $-100.5M $859.0M
+0.0% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 Bottom 2.7% in tier
Loans $510.2M
+18.2% YoY+0.4% QoQ
 $-93.2M $603.4M
+1.0% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 Bottom 21.4% in tier
Deposits $649.6M
+19.1% YoY+0.3% QoQ
 $-84.6M $734.2M
+0.9% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 Bottom 8.0% in tier
ROA 0.7%
+215.0% YoY-2.0% QoQ
 +0.0% 0.7%
+27.6% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 51st in tier
NIM 3.3%
+3.1% YoY-0.0% QoQ
 -0.1% 3.4%
+9.6% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 44th in tier
Efficiency Ratio 74.5%
-2.5% YoY-0.3% QoQ
 +0.0% 74.5%
-3.2% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 41st in tier
Delinquency Rate 1.0%
+34.7% YoY+9.8% QoQ
 +0.2 0.8%
+5.0% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 71st in tier
Loan To Share 78.5%
-0.8% YoY+0.1% QoQ
 -4.1% 82.7%
+0.1% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 30th in tier
AMR $21,147
+5.7% YoY+3.8% QoQ
 $-8K $28,651
+2.5% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 Bottom 23.2% in tier
CD Concentration 22.4%
+13.6% YoY+0.0% QoQ
 -2.0% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 43rd in tier
Indirect Auto % 6.2%
-18.0% YoY-4.2% QoQ
 -7.7% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 47th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#25 of 430 • Top 1.8% in tier

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

Why This Signature
Member Growth (YoY): 12.35%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth
#147 of 603 • Top 8.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 12.35%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.72%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 6.25%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Wallet Share Momentum

growth
#406 of 1006 • Top 14.7% in tier

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

Why This Signature
AMR Growth (YoY): 5.66%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#557 of 1006 • Top 20.2% in tier

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

Why This Signature
AMR Growth (YoY): 5.66%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.3K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (2)

Growth-at-Risk

risk
#42 of 446 • Bottom 2.7% in tier

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

Why This Signature
Loan Growth (YoY): 18.20%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.26% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#293 of 736 • Bottom 11.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.26% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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 112 peers in tier

Top Strengths (6 metrics)

1
Asset Growth Rate
growth
Value: 20.48%
Peer Avg: 4.25%
#1 of 112 Top 0.0% in 750M-1B tier
3
Member Growth Rate
growth
Value: 12.35%
Peer Avg: 1.14%
#3 of 112 Top 1.8% in 750M-1B tier
3
Loan Growth Rate
growth
Value: 18.20%
Peer Avg: 4.84%
#3 of 112 Top 1.8% in 750M-1B tier
3
Deposit Growth Rate
growth
Value: 19.12%
Peer Avg: 5.03%
#3 of 112 Top 1.8% in 750M-1B tier
21
Members Per Employee (MPE)
engagement
Value: 438.752
Peer Avg: 361.634
#21 of 112 Top 17.9% in 750M-1B tier
24
Share Certificate Concentration (%)
balance_sheet
Value: 22.36%
Peer Avg: 28.34%
#24 of 112 Top 20.5% in 750M-1B tier

Top Weaknesses (6 metrics)

109
Total Assets
balance_sheet
Value: $758.50M
Peer Avg: $859.01M
#109 of 112 Bottom 3.6% in 750M-1B tier
103
Total Deposits
balance_sheet
Value: $649.61M
Peer Avg: $734.17M
#103 of 112 Bottom 8.9% in 750M-1B tier
98
Net Charge-Off Rate
risk
Value: 1.13%
Peer Avg: 0.61%
#98 of 112 Bottom 13.4% in 750M-1B tier
88
Total Loans
balance_sheet
Value: $510.17M
Peer Avg: $603.36M
#88 of 112 Bottom 22.3% in 750M-1B tier
87
Loan-to-Member Ratio (LMR)
engagement
Value: $9,302
Peer Avg: $12,810
#87 of 112 Bottom 23.2% in 750M-1B tier
86
Average Member Relationship (AMR)
engagement
Value: $21,147
Peer Avg: $28,651
#86 of 112 Bottom 24.1% in 750M-1B tier