BlastPoint's Credit Union Scorecard

PATHWAYS FINANCIAL

Charter #66376 · OH

Community 750M-1B

117 CUs in 750M-1B nationally 5 in OH

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PATHWAYS FINANCIAL has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 4.6% in tier
+ Organic Growth Engine: Top 4.6% in tier
+ Strong member growth: 9.8% YoY
+ Member Growth Rate: Top 5.1% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 16.9% in tier
- Credit Quality Pressure: Bottom 53.7% in tier
- ROA 0.09% below tier average
- Efficiency ratio 2.97% above tier (higher cost structure)
- Delinquency rate 0.21% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	59,620 +9.8% YoY-0.4% QoQ	+8.1K	51,500 +0.7% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	73%
Assets	$776.4M +11.4% YoY+2.8% QoQ	$-89.3M	$865.6M +0.9% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	Bottom 13.7% in tier
Loans	$495.8M +10.1% YoY-5.1% QoQ	$-99.5M	$595.3M +1.6% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	16%
Deposits	$662.0M +10.6% YoY+0.5% QoQ	$-80.2M	$742.2M +0.6% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	Bottom 10.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +49.8% YoY-14.6% QoQ	-0.1%	0.8% +45.0% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	51%
NIM	3.3% +0.2% YoY-1.9% QoQ	-0.1%	3.5% +6.1% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	43%
Efficiency Ratio	78.5% +0.5% YoY+5.9% QoQ	+3.0%	75.5% -3.4% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	54%
Delinquency Rate	0.9% +0.5% YoY-11.9% QoQ	+0.2	0.7% -0.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	74%
Loan To Share	74.9% -0.5% YoY-5.6% QoQ	-5.7%	80.6% +0.7% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	28%
AMR	$19,420 +0.6% YoY-1.6% QoQ	$-9K	$28,908 +0.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	Bottom 9.4% in tier
CD Concentration	21.7% -0.6% YoY-0.4% QoQ	-2.6%	24.3%	19.4%	19.8%	41%
Indirect Auto %	6.4% +41.4% YoY+5.3% QoQ	-7.4%	13.8%	11.4%	7.7%	47%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#32 of 371 • Top 4.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 9.79%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 6.39%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#124 of 352 • Top 4.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 9.79%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.67%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 6.39%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#334 of 476 • Bottom 16.9% in tier

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

Why This Signature

Loan Growth (YoY): 10.12%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#717 of 727 • Bottom 53.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (6 metrics)

Member Growth Rate

growth

Value: 9.79%

Peer Median: 0.97%

#7 of 117 Top 5.1% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 476.960

Peer Median: 328.468

#13 of 117 Top 10.3% in 750M-1B tier

Asset Growth Rate

growth

Value: 11.35%

Peer Median: 4.88%

#15 of 117 Top 12.0% in 750M-1B tier

Deposit Growth Rate

growth

Value: 10.65%

Peer Median: 4.60%

#16 of 117 Top 12.8% in 750M-1B tier

Loan Growth Rate

growth

Value: 10.12%

Peer Median: 4.33%

#24 of 117 Top 19.7% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.68%

Peer Median: 26.77%

#28 of 117 Top 23.1% in 750M-1B tier

Top Weaknesses (6 metrics)

106

Average Member Relationship (AMR)

engagement

Value: $19,420

Peer Median: $26,209

#106 of 117 Bottom 10.3% in 750M-1B tier

105

Total Deposits

balance_sheet

Value: $662.02M

Peer Median: $735.65M

#105 of 117 Bottom 11.1% in 750M-1B tier

105

Loan-to-Member Ratio (LMR)

engagement

Value: $8,316

Peer Median: $11,598

#105 of 117 Bottom 11.1% in 750M-1B tier

101

Total Assets

balance_sheet

Value: $776.35M

Peer Median: $858.87M

#101 of 117 Bottom 14.5% in 750M-1B tier

Total Loans

balance_sheet

Value: $495.79M

Peer Median: $618.21M

#98 of 117 Bottom 17.1% in 750M-1B tier

AMR Growth Rate

growth

Value: 0.58%

Peer Median: 3.70%

#93 of 117 Bottom 21.4% in 750M-1B tier