BlastPoint's Credit Union Scorecard
PATHWAYS FINANCIAL
Charter #66376 · OH
PATHWAYS FINANCIAL has 6 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 3.4% in tier
- + Organic Growth Engine: Top 3.4% in tier
- + ROA 0.14% above tier average
- + Strong member growth: 10.1% YoY
- + Member Growth Rate: Top 5.4% in tier
- + Members Per Employee (MPE): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 30.4% in tier
- - Shrinking Wallet Share: Bottom 98.4% in tier
- - Delinquency rate 0.28% above tier average
- - AMR Growth Rate: Bottom 3.6% in tier
- - Average Member Relationship (AMR): Bottom 9.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.0% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 5 that size in Ohio.
- Shares and deposits +1.4% year over year ($656M in shares and deposits).
- Membership: 62,458 members, +10.1% vs a year ago.
- Delinquency rate 1.08%.
- Return on assets 0.98%.
- Efficiency ratio 74.26% vs a 74.54% peer average.
- Loan-to-share ratio 76.69% vs a 82.60% 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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
62,458
+10.1% YoY+4.8% QoQ
|
+10.0K |
52,482
+1.3% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
78% |
| Assets |
$771.9M
+2.4% YoY-0.6% QoQ
|
$-92.1M |
$863.9M
+0.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.9% in tier |
| Loans |
$503.3M
-0.9% YoY+1.5% QoQ
|
$-104.5M |
$607.8M
+2.1% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.5% in tier |
| Deposits |
$656.2M
+1.4% YoY-0.9% QoQ
|
$-83.7M |
$739.9M
+0.2% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.6% in tier |
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| ROA |
1.0%
+34.7% YoY+47.3% QoQ
|
+0.1% |
0.8%
+30.4% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
3.4%
+2.1% YoY+1.2% QoQ
|
-0.1% |
3.5%
+6.2% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
74.3%
-0.6% YoY-5.4% QoQ
|
-0.3% |
74.5%
-1.4% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
41% |
| Delinquency Rate |
1.1%
+17.1% YoY+20.8% QoQ
|
+0.3 |
0.8%
+1.0% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
77% |
| Loan To Share |
76.7%
-2.3% YoY+2.4% QoQ
|
-5.9% |
82.6%
+1.9% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$18,564
-8.8% YoY-4.4% QoQ
|
$-10K |
$28,702
+0.4% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.1% in tier |
| CD Concentration |
21.8%
-2.5% YoY+0.6% QoQ
|
-2.8% | 24.6% | 19.2% | 20.0% | 40% |
| Indirect Auto % |
6.4%
-2.5% YoY-0.6% QoQ
|
-7.3% | 13.6% | 11.9% | 7.7% | 48% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)