BlastPoint's Credit Union Scorecard
PATHWAYS FINANCIAL
Charter #66376 · OH
PATHWAYS FINANCIAL has 9 strengths but faces 4 concerns
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How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 4.2% in tier
- + Organic Growth Engine: Top 17.8% in tier
- + ROA 0.04% above tier average
- + Net Interest Margin 0.01% above tier average
- + Strong member growth: 15.6% YoY
- + Member Growth Rate: Top 2.6% in tier
- + Asset Growth Rate: Top 5.1% in tier
- + Loan Growth Rate: Top 5.1% in tier
- + Deposit Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 18.7% in tier
- - Credit Quality Pressure: Bottom 57.1% in tier
- - Delinquency rate 0.13% above tier average
- - Total Assets: Bottom 3.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,869
+15.6% YoY+9.2% QoQ
|
+7.8K |
52,084
-1.6% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$755.2M
+15.6% YoY-0.4% QoQ
|
$-108.7M |
$863.9M
+0.5% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.6% in tier |
| Loans |
$522.5M
+18.3% YoY+2.4% QoQ
|
$-83.3M |
$605.8M
+1.4% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$658.6M
+13.2% YoY+1.4% QoQ
|
$-78.7M |
$737.3M
+0.1% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.7% in tier |
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| ROA |
0.8%
+150.6% YoY+9.4% QoQ
|
+0.0% |
0.7%
+39.1% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.4%
+6.8% YoY+2.8% QoQ
|
+0.0% |
3.4%
+8.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
74.1%
-0.9% YoY-0.6% QoQ
|
-0.2% |
74.3%
-3.6% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
1.0%
+20.2% YoY+0.2% QoQ
|
+0.1 |
0.9%
+3.8% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
79.3%
+4.5% YoY+1.0% QoQ
|
-3.2% |
82.6%
+1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$19,728
-0.1% YoY-6.7% QoQ
|
$-9K |
$28,873
+2.7% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.4% in tier |
| CD Concentration |
21.8%
+5.0% YoY-2.6% QoQ
|
-2.7% | 24.4% | 19.4% | 19.8% | 41% |
| Indirect Auto % |
6.1%
-9.9% YoY-2.7% QoQ
|
-7.7% | 13.8% | 11.2% | 7.8% | 46% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)