BlastPoint's Credit Union Scorecard

PATHWAY

Charter #68124 · TN

<100M

2556 CUs in <100M nationally 87 in TN

PATHWAY faces 3 concerns requiring attention

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.25% below tier average
- Efficiency ratio 9.48% above tier (higher cost structure)
- Net Worth Ratio: Bottom 2.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	964 -1.6% YoY-0.1% QoQ	-1.7K	2,615 -1.9% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	27%
Assets	$6.8M +5.1% YoY-1.6% QoQ	$-23.4M	$30.1M +2.1% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	25%
Loans	$5.6M +5.0% YoY-1.9% QoQ	$-10.2M	$15.8M -1.3% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	36%
Deposits	$6.3M +4.9% YoY-1.6% QoQ	$-19.4M	$25.7M +1.4% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	27%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +10.7% YoY+19.8% QoQ	-0.3%	0.6% +10.8% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	33%
NIM	3.8% -1.5% YoY+3.8% QoQ	-0.1%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	48%
Efficiency Ratio	92.0% -4.3% YoY-1.0% QoQ	+9.5%	82.6% -2.3% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	79%
Delinquency Rate	0.1% +132.7% YoY	-1.4	1.6% -3.1% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	21%
Loan To Share	87.9% +0.1% YoY-0.3% QoQ	+27.3%	60.6% -3.1% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	Top 12.2% in tier
AMR	$12,319 +6.7% YoY-1.7% QoQ	$-2K	$14,783 -1.4% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	41%
CD Concentration	22.8% -26.6% YoY-23.0% QoQ	-1.7%	24.4%	22.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.7%	7.8%	50%

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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

311

Loan-to-Share Ratio

balance_sheet

Value: 87.89%

Peer Median: -

#311 of 2556 Top 12.1% in <100M tier

498

AMR Growth Rate

growth

Value: 6.70%

Peer Median: -

#498 of 2556 Top 19.4% in <100M tier

528

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: -

#528 of 2556 Top 20.6% in <100M tier

547

Loan Growth Rate

growth

Value: 5.02%

Peer Median: -

#547 of 2556 Top 21.4% in <100M tier

635

Net Charge-Off Rate

risk

Value: 0.03%

Peer Median: -

#635 of 2556 Top 24.8% in <100M tier

Top Weaknesses (3 metrics)

2496

Net Worth Ratio

risk

Value: 7.29%

Peer Median: -

#2496 of 2556 Bottom 2.4% in <100M tier

2012

Efficiency Ratio

profitability

Value: 92.03%

Peer Median: -

#2012 of 2556 Bottom 21.3% in <100M tier

1925

Total Assets

balance_sheet

Value: $6.76M

Peer Median: -

#1925 of 2556 Bottom 24.7% in <100M tier